Podcasts about NAR

Questions about the top five things to consider before joining a church when coming out of the NAR movement, and thoughts regarding a church putting on a production of Jesus Christ Superstar as a means to draw non-Christians into the church.   I'm coming out of the Word of Faith and New Apostolic Reformation movements. What are the top five things I need to consider before joining a church? What are your thoughts regarding a church putting on a production of Jesus Christ Superstar as a means to draw non-Christians into the church?

Andrew Ackerman is the Head of REACH Labs at Second Century Ventures, the strategic venture arm of the National Association of Realtors® (NAR). Backed by NAR, SCV invests in early-stage PropTech and construction tech companies, providing them with access to a vast network of real estate professionals and industry expertise. A former entrepreneur, angel investor, and accelerator director at Dreamit Ventures, Andrew has backed 70+ startups and designed structured programs to help founders raise capital and close deals faster. He is also the author of “The Entrepreneur's Odyssey,” a story-driven startup guide, and a frequent contributor to Forbes, Propmodo, and other leading publications.(01:19) – Andrew Ackerman's Journey in PropTech (03:06) – Evolution of the PropTech Landscape (06:40) – The Role of Reach Labs, Second Century Ventures and NAR (10:06) – Challenges in Real Estate Transactions (13:00) – Venture Returns in PropTech (21:01) – Feature: Blueprint - The Future of Real Estate - Register for 2025: The Premier Event for Industry Executives, Real Estate & Construction Tech Startups and VC's, at The Venetian, Las Vegas on Sep. 16th-18th, 2025. (23:03) – Qualifying Investment Opportunities (23:32) – Challenges in Portfolio Construction & Valuation Dilemmas (30:00) – The Role of Venture Debt (35:59) – The Entrepreneur's Odyssey(29:22) - Collaboration Superpower: Richard Nixon

The Industry Relations Podcast is now available on your favorite podcast player! Overview In this episode of Industry Relations, Rob and Greg unpack the lawsuit Compass filed against Zillow over its ZLAS (Zillow Listing Agreement Standard) policy. They debate the strength of Compass's legal claims, the language cited in the complaint, and what the alleged behind-the-scenes meetings reveal about Zillow's influence in the real estate industry. Rob argues that Zillow is exercising monopoly power—even if it's not illegal—while Greg pushes back on whether that power is absolute or harmful. Key Takeaways Compass Lawsuit Against Zillow – Compass has sued Zillow over ZLAS, and Rob and Greg break down what the complaint says, especially around alleged comments from Zillow executives. Redfin's Role in the Lawsuit – The lawsuit describes a phone call between Redfin CEO Glenn Kelman and Compass's Robert Reffkin, which raises questions about Redfin's alignment or neutrality. Allegations from the Zillow Meeting – The complaint claims Zillow executives said they would “not allow” Compass to have listings that aren't on Zillow. Rob questions how MLSs will interpret that language. Zillow's Relationship to MLSs – Rob and Greg debate whether Zillow is stepping into a policy-making role that could create long-term tension with MLSs. Monopoly vs. Illegal Monopoly – Rob insists Zillow is a monopoly in terms of influence, while Greg questions whether that matters if they haven't broken any laws. Private Listing Networks as Leverage – Rob suggests that large brokerages should consider creating private listing networks to provoke offers or concessions from Zillow. MLS and NAR Dynamics – The conversation revisits the lack of MLS policy leadership from NAR and whether groups like CMLS can step up in its place. Consumer Perception of Real Estate – Greg ends by cautioning that all this infighting could be harmful to public trust, as evidenced by critical reader comments in mainstream news outlets. Connect with Rob and Greg Rob's Website  Greg's Website    Watch us on YouTube   Our Sponsors: Cotality  Notorious VIP The Giant Steps Job Board    Production and Editing Services by Sunbound Studios

„Ani czysty popęd, ani abstrakcyjne prawo, ale synteza obu. Czyste światło prawa musi zostać załamane w narodowym temperamencie jak w atmosferze i tak załamane pojawić się na swym miejscu w historii”; „Naród i państwo żyją jak dwoje małżonków, którzy rozwinęli się i zrośli w jedną całość – ale warunkiem tego jest pierwotna i odwieczna różnica w ich istocie” – pisał w 1916 r. szwedzki geograf i politolog Rudolf Kjellén. Jak się przekonamy, ojciec geopolityki sformułował bowiem całkiem przemyślaną, trafiającą do wyobraźni wizję syntezy narodowo-państwowej.Pozostałe artykuły możesz czytać na

Segment 1: • Want to lose weight biblically? Todd jokes about “The Fortis Cup Bearer Diet” while warning against diet fads. • Supreme Court rules parents in Maryland can pull kids from objectionable lessons—why should parents need permission to parent? • Todd connects parental rights to the bigger fight against the mental health industrial complex controlling family decisions. Segment 2: • Supreme Court rulings trending positively. Why now? • Unpacks the White House Faith Office's role and warns about NAR dominionism creeping into political movements. • Highlights the PCA's study on Christian Nationalism, emphasizing the need for clear confessional grounding in confusing times. Segment 3: • Throwback: Francis Schaeffer vs. B.F. Skinner on human dignity vs. behavioral control. • Connects these classic debates to modern challenges like IVF's low success rates and ethical confusion in culture. • Stresses that Truth Unhindered remains the need of the hour in cultural engagement. Segment 4: • Switzerland news segues to U.S. stats: 2/3 of young adults leave church, prompting calls for “old school” church. • Todd warns against trendy “hipster church” models that fail to disciple deeply. • Reminds listeners: The early church grew because it was countercultural, not because it adapted to culture. ___ Thanks for listening! Wretched Radio would not be possible without the financial support of our Gospel Partners. If you would like to support Wretched Radio we would be extremely grateful. VISIT https://fortisinstitute.org/donate/ If you are already a Gospel Partner we couldn't be more thankful for you if we tried!

Keith discusses the evolution of the real estate market over the past five years, highlighting a 43% price surge from March 2020 to June 2022 due to low mortgage rates, remote work, and government stimulus. By 2024, single-family home prices stabilized, but apartment values dropped by 30%.  Mortgage rates have remained around 6-7.5% for 20 months, with national home prices rising 2% in the past year.  We introduce two listener guests: Josh Fang, a 28-year-old investor who bought five properties using his income from a mortgage loan officer job, and Nate O'Neil, an experienced investor who leveraged his corporate job to fund his real estate portfolio.  Show Notes: GetRichEducation.com/560 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold, over the past five years, the real estate market has changed forever. So what are you supposed to do now? Then I talked to two GRE listener guests back to back. Here's some relatable stories this week on get rich education.    Mid south home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis, and have globally attractive cash flows, an A plus rating with a better business bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Speaker 1  1:48   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You   Keith Weinhold  1:58   Keith, welcome to GRE from Augusta Maine to Augusta Georgia and across 188 nations worldwide. I'm Keith Weinhold, and you are back inside get rich education if you got trapped in a cave back in 2020, and then you came above ground into the sunlight of 2025 and wondered what happened to the real estate investment market over the last five years. Here's the answer, and what it means to you, even if you weren't trapped in a cave, and I sure hope you didn't have to fight off a bat colony either. During the pandemic housing boom of 2020, to 2022 housing demand soared, in fact, from March of 2020, to June of 2022, prices surged a staggering 43% and rents ballooned too. And that was all amidst a few things, ultra low mortgage rates, a remote work boom and government stimulus. And for many, this unlocked Americans work from anywhere arbitrage. High earners were able to keep their income in, say, New York City or LA, pack up their laptop and head for state income tax free havens like Tampa or Nashville, and builders could not keep up. See housing supply, stock is not as elastic as demand. It's like steering a cruise ship. It doesn't turn out a dime. Inventory was drained, and you know, we had a full on housing supply crash that dipped to its Nadir in February of 2022 but just after that, all types of interest rates spiked later in 2022 to help stifle rising inflation, and what that did is that that quickly quelled homeowner affordability. Return to Office mandates began to gain momentum. National housing demand pulled back a near 180 was quickly underway. Sales volume tanked, and that put a lot of people in the industry out of business, realtors, mortgage loan officers, even furniture companies out of business by 2024 prices in the single family to fourplex space stabilized just with a slow growth rate, but apartment values lost as much as 30% from 2022 to 24 due to devastating interest rate resets under shorter term loans, and meanwhile, the income required to buy a modest starter home rose from 49k in 2020 to 101k last year. That's pretty NAR and the term forever renter became both a meme and a. Reality, and since construction, efforts to build have been uneven, apartment supply actually exceeds demand in a lot of markets, and over in the one to four unit space by adding inventory, there's now 30% more available year over year, but it remains under supplied nationally, especially like I've discussed in the Northeast and Midwest, where building has been meager to completely non existent. That's why it can still feel impossible to find a house in much of Ohio or New Jersey, but you can rent an apartment in Austin, Texas faster than you can get a Wendy's drive through order. Mortgage rates have now stayed in this same range of six to seven and a half for 20 months, and national home prices are up just about 2% in the past year. Now, when Trump began his second term in January of 2025 markets got giddy with business friendly optimism, but this Trump bump that reversed fast when he slapped half the planet with tariffs housing demand cooled again, because no one buys a house when they feel like their job might vanish, alright? So amidst all of that. How do you adjust your strategy with what's changed over the past five years? Well, real estate still pays five ways, and since you're not betting it all on price growth like you would be with most other asset classes, this way, you've always got a side to play with. Affordability down now, rental demand is heating up. With more inventory on the market for you to purchase, there are more motivated sellers, especially those shiny build to rent homes. You do still have to deal with mortgage rates that are higher than they were four or five years ago. Refinance on the rate dips if there's low inflation rates fall if there's high inflation, well, then your debt arose faster. So this is what I mean about you having the ability to play both sides today, and this is big, the number of renter households are at a record high, and they're rising. Landlords are giving fewer concessions. Increasingly, they hold the cards in the single family rental space and annual rent growth is expected to heat up from its current zero to 3% Well, what is next? Short term housing value should stay stable, but not sore, and don't count on a big mortgage rate drop at all for the rest of the year long term, expect more inflation in strong demographic demand. Those things are almost certainties, and that's the good part for real estate investors. So really the overall market report card today, let's grade it out in a report card, sellers are doing just okay. Buyers are strained. First time home buyers are in the worst, the roughest shape. I mean, they grade out at an F single family rental landlords are in good shape because people that want to buy a single family home can't, so they rent apartment landlords, they are strained, and renters are holding steady. They're doing pretty well until steeper rent increases kick in. So really, the bottom line here is that it's been a more tumultuous five years than usual. Housing demand lapse supply and now it's coming closer back into balance today, home prices are stable, the amount of buyers are waning, and the hordes of renters are growing. And where are we today? Well, earlier this month, our president called our Fed chair a numbskull.    Donald Trump  8:56   If we cut our interest by one point for years, we save 300 billion. If we cut it by two points, we save because it's pretty equivalent we're going to save, we're going to spend 600 billion a year. 600 billion because of one numb skull that sits here. I don't see enough reason to cut the rates now.   Keith Weinhold  9:21   oh dear leaving you with a little knee slapper on the five year summary there. Look poor and middle class people feel like everything is expensive. That's because they pay for everything with money they've exchanged their time for. That means they feel like they're paying for everything with their life, because they are and that's exactly why money feels like a scarce resource. Instead, real estate investors pay for things according to what our assets are producing for us and what other people's money is producing for us. And that's why we can pay for what we want, and money feels like an abundant resource, not a scarce one. That's what today's two listener guests discovered somewhere along their path, fueled by this show. Now sometimes I answer your listener questions here on the show when you write into us at get rich education.com/contact, other times, I bring listener guests right here onto the show. That's what we're doing today. Today's both happen to be based in California. The first guest is a young investor, and the second guest more experienced. These were just recorded. Understand they aren't professional speakers. And also, if you bear with a few early audio difficulties with our first guest, you're going to be rewarded with some relatable takeaways. Our first listener guest, Josh Fang, started listening to the get rich education podcast as a college student in 2016 or 17. He first heard episode 84 that's when Robert Kiyosaki made his first appearance here. That episode was called the rich don't work for money. Then he went back to Episode One and listened to them all, 560 episodes. Now let's meet him.   This week's GRE listener guest is a 28 year old real estate investor based out of Irvine, California. That's SoCal, and he has already reached what he calls semi work, optional status, fantastic. He's been a GRE listener since 2017 that was at age 20 when he was a junior in college. The GRE podcast inspired him to become a mortgage loan officer, and he's become a top performer at doing that, originating loans after graduating college. He used the money from that mortgage loan officer job starting at age 22 to buy five income properties, two through mid south home buyers and three elsewhere. By the way. Again, he's 28 now. GRE quite literally shaped his adult life, and having enough passive income to fully retire is pretty much his only goal. Now he's got passion for talking financial freedom through smart borrowing, strategic thinking and action over perfection. Oh, I love that. Hey, welcome to GRE. Josh Fang, thank you for having me. I really appreciate it here on the show, I talk about borrowing and lending a good bit, because if you're gonna make something of yourself, you need to leverage the efforts of others. So tell us about how you got your first job in the mortgage industry and how it set the foundation for your investing journey. Josh,   Josh Fang  12:31   when I graduated, it was really rough. I had a business degree which didn't really open up too many doors. At that time, I couldn't find a job for six months, I was just applying everywhere that I could. Now keep in mind this entire time, I'm looking for a job. I'm listening to your podcast, and you know, how can I the income and the money to purchase some rental properties for some passive income? And one company responded to my resume for a mortgage company. So I was able to get an interview, and I actually got the job by quoting, you know, mortgage guidelines that I learned from your podcast. Your Podcast, such as, for an FHA loan, you need three and a half percent down. For a conventional you need 20% down, just the most basic of the most basic mortgage guidelines. And actually was able to land a job, and in the very beginning, they start you off pretty much. I mean, as a telemarketer, it's pretty rough, long hours, you work weekends, I was making $17.48 at the time per hour, and with that basic income, the 17.48 an hour, I actually was able to buy my first rental property without even the two years work history. And the way I did that was by using my college degree as work history, because there is actually a guideline to where, if you have degree that is in the same field as where you work, it does actually be counting work history. And it was really funny at the time, I was living with my parents, another document that I needed to go through underwriting. I needed a letter from my dad, a signed letter from my dad saying I didn't pay rent because I was living at home. And off that 17.48, an hour, I was able to buy my first rental property. And from mid south home buyers, everyone there was so great. They were so helpful in helping me through the loan process, through selecting a property, and I was able to close. And the time that I bought my first rental I was only 22 years old.   Keith Weinhold  14:20   This is remarkable on a few levels, with just those few lines, about three and a half percent down FHA or 20% down conventional that sounded compelling enough for someone to want to give you an opportunity and then off that modest starting wage, how that really helped you accumulate to buy income property and yeah, when you're buying in those investor advantage places, those prices are low, but that's still pretty remarkable that you were able to do that. So talk to us some more about that, buying your first rental property at age 22 surely younger than most people about that process and the mindset and really that leap of faith that it takes Josh because most people are not doing this.   Josh Fang  15:00   Yeah, absolutely. And I think I had a really big leg up in terms of mindset, because I was starting to listen to your podcast when I was so young, when you're young and you're growing up and you're a young adult in college, you know, you hear from your teachers, your parents, your friends, older people, and they say, oh, invest in the stock market. Buy a primary residence to live in. And the big thing that I learned is I don't live in the same world as the world that my parents grew up in, and I can't invest the same as well. Great point there's, I live in Southern California. The medium house price of where I live in, in the city of Irvine, is $2 million yeah, that's ridiculous. I would never, ever be able to purchase a primary residence out here, and buying stocks are at all times highs. I mean, that's arguable, but I think stocks are quite overfit. So investing there didn't make too much sense. And what you always talked about in terms of building a second flow of income, having that be passive to where I don't need to work regularly, is what really motivated me to move towards that. And in terms of making the first step, I think the most important thing by far, is just setting a goal, saying at least for myself, it was, hey, I want to own a property. I want to provide safe, affordable housing to a tenant, and I want to be able to make money off of that, to where I don't need to do something physically for it every single day. And then after that, it just about taking the steps. The first things first is I reached out to some of the house providers. In that case, it was mid south home buyers, gave them a call, spoke to them, say, Hey, can I please be put on your list? Perfect. Then it was just continuing the work, doing more research, continue listening to your podcast, learn tidbits here and there, lots of Googling, lots of Googling, looking up terms that I didn't understand when I read through the analysis of the property. Hey, what does this mean? What does that mean, Googling it, learning one step at a time. And then when it came time and I was actually receiving properties that I could buy, it was about getting the mortgage, and it was about, hey, let's just move one step at a time. Okay, today I need to get these documents, and the next step, I need to get these documents. And before you knew it, I was signing with a notary closing on my first property,    Keith Weinhold  17:10   the autodidactic approach, meaning the self taught approach, with some assistance from my show. But yeah, oftentimes listening to the show can be the stimulus to make you want to learn more, probably, because I talk about the why for real estate, and if you don't know your why, you won't care about how So Josh, are you doing something that some people do in high cost areas, like you live in in SoCal? Are you renting your own place? And then you provide rental housing to others outside your own area. In investor advantage places is that your setup?   Josh Fang  17:44   100% where I live in Irvine, it is extremely, extremely low crime. Everything's a planned unit development. It is beautiful out here. There's trees, there's lots of different foods from different cultures. I absolutely love living here. The only issue is is it's ridiculously expensive. I live in a very nice luxury apartment complex, and I pay of extremely high rent that normal people probably wouldn't be able to pay. But rather than coming out of my pocket, I use the cash flow for my rentals to pay for my rent over here. So it's kind of like I'm building equity, even though I'm just renting, and I get to live the life that I want to live, where I want to live it, while still being able to invest the proper way. In my opinion   Keith Weinhold  18:26   that's beautifully said and well thought out. And part of doing that, Josh is this borrowing money, which I think to lay people, is scary, and for someone in their 20s to borrow money, that could really bring a good bit of trepidation, because that goes against the grain of what so many people do. But of course, we talk around here about how borrowing money like you have for your rental properties in other states outside California really is not something to fear. So can you tell us more about how you approach that mindset?    Josh Fang  18:57   Absolutely, and it's always hilarious when someone asks you if you if you have any debt, and you tell them $500,000 when you're 23,24 years old, the biggest thing about borrowing money is now, again, there's different types of debt. So I'm not saying, hey, go buy some expensive car that you're going to be backwards on in a few months. Don't get a bunch of credit card debts at 24% interest rates. I'm talking about debt from a with a collateral attached to it, such as a mortgage. The way I like to think about borrowing money is borrowing like a bank, because your money has value. Whenever I have money in the actual bank, it doesn't feel like it, but I'm actually lending money to the bank. They're taking the money that I have deposited and lending it out to other people at higher rate than what they're paying you back. That's how they're actually making the money. I'm thinking like a bank. And of course, that's exactly how it is with borrowing money for rental properties. The interest rate that I have to pay on my mortgage is so much lower than how much income I'm receiving by actually renting it out and providing housing for someone. And then, of course. Tax deductions.   Keith Weinhold  20:00   Sure you're creating arbitrage there when it comes to paying off or aggressively paying down a property. I mean, some protection financially is surely good, but one has to realize that after some point, when you protect you cannot produce another way to say it is if you use your dollar to pay down, then you cannot use your dollar to multiply.   Josh Fang  20:25   I agree with that 100% I couldn't have said it any better.   Keith Weinhold  20:28   You really took action something that a lot of people don't do. I don't think you did right away. You listened to some episodes for quite a while, but you did overcome analysis paralysis at some point. So talk to us about more with that mindset of how you took the first step, even when you're still perhaps a little unsure.   Josh Fang  20:46   I think you say it best, and I know I'm literally taking the words out of your mouth, because, again, I'm a long time listener, but do the right thing before you do things right. Yes, rings so, so, so true. You're never going to be perfect. There's never going to be the perfect property. There's never going to be the perfect deal. Eventually you just have to do it. And again, all it really is is saying, Hey, here's what I want to do, and what are the steps that have to take to get there? If the first actual step, rather than just listening to the podcast or getting more information, if the first step is, hey, I want to get a pre approval. Go ahead and get it done. Reach out to a loan officer, get your pre approval, get the documents needed, get the right information that you need, and then start writing offers on properties, or contacting Keith and his team, their GRE mentoring team, and ask for property values. And once you find one, and again, you're never going to find the perfect property. Once you finally say, hey, this fits enough. Jump on it. You should be excited. I mean, again, once you're doing the right thing, you can learn to do things right. And slowly, kind of say, Hey, I made a small error there. Hey, I made a small error there. But at the end of the day, you move forward and you're ahead of where you started. I think that's the most important thing.   Keith Weinhold  21:59   Yeah. I think uncertainty stops. Some people, maybe even uncertainty with the larger economy. Or maybe people just look for excuses for inactivity. Sometimes there will always be some uncertainty out there. And what you do when you make an offer on a real asset is you just made some certainty in your life. Yeah, just talk to us more about the process of kind of you started with your first property and then growing that portfolio. And what did you learn between the first one in that second, third, fourth and fifth one, where you are now   Speaker 2  22:32   after buying my first one, when I received that first rent check, after that first rental property, my net cash flow after management expenses, putting a little, you know, VIMTIM, keeping an extra 10% away to just keep in the bank in case something came up. I wish cash flowing at the time. $231 doesn't sound like a crazy amount now, but as a 22 year old kid and saying, Hey, I got this $231 without lifting a finger, felt amazing. I had this feeling, I'm out in Southern California. We had this burger chain called in and out. My double double burger and fries combo was about $6 at the time. And I said, no matter how bad things get, no matter how bad things get, that $231 I can buy an in and out meal every single day, as long as I own that property. I just had such an overwhelming feeling of, when can I get the next one? I immediately, immediately reached out to MidSouth like, hey, put me on the list as soon as I have money. You know what? Keith, it got fun. It got fun every time I got an email saying, Hey, here's another property. Like, wow, if I can make this deal work, that's an extra couple $100 I can have at the end of the month every single day. And now I live in my own apartment complex, in a unit in an apartment complex, but at the time, I rented out a room in a house, in a condo, just a single room, and by the time I bought my second rental property, all of my cash flow from my two rentals actually covered the full amount of my monthly rent living out outside of my parents place. And that just felt so so so amazing, because it was like I almost had no overhead. So all the money that I was making for my job was completely disposable that I could use to purchase other rental properties. And that was just such an amazing, freeing feeling to know that no matter what happened, I obviously as long as there's no vacancies or any kind of crazy issues there, that I would still have that flow of income coming in pretty much after buying my first one, all I wanted to do was buy more. Now, a big issue that happened was 2020 and 2021 there was very little inventory, so really tough and slim pickings, and I would have bought a lot more if I could find more deals. And now, thinking back, I should have, if anything, I wish I bought more.   Keith Weinhold  24:50   Gosh, I just love that Josh, that seminal $231cash flow from that first property, and how you rationalize that that could buy you in and out. Meal every single day, all month. If that's what you wanted to do with that first one, that's terrific. And yes, markets change. There's more inventory available now than there was in 2020, and 2021, mortgage rates are surely higher. You don't have as much competition. You might even get a concession or two when you buy since it's a more balanced market today than it was about four years ago, for sure. So every market cycle is different. When you realize you're paid five ways at the same time, there's always one side to play or the other. There's always so many variables that you get to deal with there. Have you had any certain issues with property management, or do you have any mindset about using a property manager remotely. I assume you're using remote management for these turnkey type properties. Is that right?   100% I've actually never physically seen any of my properties. Yeah, what you say is the best, essentially, your team that manages your property is the most important by far. Right? Right now, here's the thing, issues are going to come up. Regardless of what happens. There's always going to be something that breaks. Eventually, there's always going to be vacancy. Eventually there can be natural disasters, something's always going to come up. And the thing is, you can't get angry about the things that you can't control. If there is a vacancy that you know you vetted the tenant properly, and there was nothing to do if there is a natural disaster or if something does break down in your property that you couldn't have expected coming or that wasn't your fault. The biggest thing is, you can't get angry with it. You just have to know that you can deal with it properly, and having a professional team on the other side saying, Hey, we're going to handle it. This is an issue. Here's how much it's going to cost. We got a couple of you know quotes. Please approve one when you get a chance, and knowing that the other side will be able to execute on that and to do it for you, and that you don't have to fly out wherever you own your property and do it yourself physically, or have to call around and find a contractor to do it, it's a huge peace of mind, and having a property manager and a team that you can trust just makes it work. If I couldn't get a property manager that I trusted, I wouldn't own the property in the first place. It's just too much work.   I am the same way. I also have not seen the majority of the properties I own. I've never seen them physically, in person, yeah, having a professional property manager, they provide a buffer, and they help keep this investment unemotional for you. And Mistakes happen when people get overly emotional about their properties. Some people are reluctant to hire a property manager, Josh because they don't want to pay the eight to 10% property management fee, which can actually be a little bit more than that effectively with leasing fees. But people feel that way, as oftentimes they're confining and limiting their search to their own local market, which probably isn't investor advantage. So they don't have enough of a cushion in their pro forma, in their profit and loss statement to pay for a property manager. But when you buy in those investor advantage places where you get that high ratio of rent income to purchase price. There you have the allowance to pay for the manager too,    Speaker 2  28:06   100% and luckily, because I have my foundation of real estate from listen to your podcast, I never even look at a deal without factoring in the fact that there will be management. I have never, ever even possibly considered self managing. It just makes no sense. I'd rather, let's just say it's 10% and a month's worth of lease, which is a little bit on the higher end in terms of management fees, right? Even if I were to do I would factor that in 100% of the time if the deal doesn't work, if it doesn't cash flow, if it doesn't, you know, appreciate a certain amount, if it isn't in my ballpark, with the management fees taken out, that's not even the deal that I'm looking at. It's just too expensive.   Keith Weinhold  28:47   Yeah, that's a great way to think about it, keep it unemotional and make it all relatively passive. I self managed for the first six or seven years of my real estate investing career, but that's because I was only investing in my own local market, and I was thinking small, and I didn't learn about finding the best investor advantaged places nationwide. Well, just as we wind down here, is there any last thing that you'd like to let the audience know or to tell us, I know before we recorded, you had talked about how really, your Daydream is more realistic than you think, and the motivation behind getting started. What do you want to leave with? Josh?   Speaker 2  29:22   You say it after every podcast. Don't quit your Daydream. I've been hearing that for eight years now at this point, and it really is, I don't have a day job. I pretty much only work when I feel like it. The majority of what I've lived off of is the income properties that I've bought and the lifestyle that I've crafted. It's so freeing. No one's telling you what to do. You don't have to go somewhere every day. You can spend time doing what you want. When I first quit my day job, and, you know, went into this semi retirement, I'm not gonna lie, I play video games eight hours a day for months, or maybe a month or two. I don't know if that's the most productive. It. But the fact that I could do that, I could obsess on crazy hobbies for a while was crazy. But one of the most important things to me of being able to reach this point in my life is I'm starting to get a little bit older. I am able to spend time with my family. I am able to spend time with my grandparents, and, you know, just like on a Tuesday or like on a Wednesday, just when nothing's really going on. Just being able to stop by and say hi to my family and spend time with them is something that I'm so blessed to be able to have, and not many people can do. And then the last thing I'd like to say on that is just, there's very small things in the world that a lot of people don't get a notice. Because I feel like everyone's in a rush all the time, and a lot of people are. You know, if you're working 40 hours a week, nine to five, you know, nine to six, there's not much time. But the other day, I was taking a small hike, and I saw a group of lizards. I thought they were cool, so I looked at the lizards. I spent maybe 15 minutes watching the lizards. I wasn't in a rush, you know, I could just enjoy the small things in life, and that's one of the best things in the world to just have that sense of not being in a rush. And I feel like investing in real estate and having that passive income and having that level of freedom. To me, that's what my Daydream is. There's nothing better to me.   Keith Weinhold  31:14   the simple pleasures about not having your time so confined that you could enjoy looking at lizards for 15 minutes. I love the small stuff like that. And does this mean Josh? I mean with five rental properties that you only need to work part time rather than full time, because usually five properties don't allow someone to completely leave the workforce.   Josh Fang  31:32   No, not at all. I definitely do things on the side. I still do loans for friends and family. I do some other stuff on the side, but it's more of that my basic needs are met for the most part.   Keith Weinhold  31:43   That's terrific. You've got more latitude to live and having a life of options Trumps having a life of obligations 100% Well, hey, it's been great hearing your story. Josh, loved having you here on the show you're listening to get rich education. We got to know listener. Guest, Josh Fang more, and we come back with another listener guest, profile, I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Jim Rickards  33:49   this is Arthur Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  34:05   our next listener guest has an uncanny amount of similarities with me, like me, he was a geography major in college. He had humble beginnings in upstate New York, not far from where I grew up, in upstate Pennsylvania. He's a huge believer in real estate pays five ways, and he loves world travel. His first job out of college was, in fact, traveling the world, playing basketball against the Harlem Globetrotters. We sure don't have that pro basketball part in common. He owns dozens of units across seven states today. He's listened to GRE for six or seven years, and he was a corporate guy living in California who thought the book Rich Dad, Poor Dad was fiction, until he experienced the rapid appreciation of he and his wife's first primary residence. And after that appreciation, he knew he had to acquire more real estate. Prices were too high in California relative to rent, so he. Went out of state, and he had just one property for five years to learn that was pretty similar to me as well. And then he saw tremendous opportunity after the GFC hit in 2008 and that really put him on a path through experience the five ways real estate pays over time, and he became convinced that there's not a better risk adjusted business model that's easily accessible to the average person. Hey, welcome to GRE Nate O'Neil   Nate O'Neil  35:25   Keith, it's great to be here. I've been, as you mentioned, a long time. Listener. Really appreciate the content that you put out, and excited to be on the show   Keith Weinhold  35:32   and you're no longer playing like zero defense basketball against the Harlem Globetrotters. You work in the solar industry now. I know that you sell to single family rental REITs. That's really interesting. And one thing that real estate investing lets people do is think differently about their w2 jobs. So tell us about how that manifests with you. Nate,   Nate O'Neil  35:56   growing up, you know, the first 25 years of my life, 24 years or so, my identity was wrapped up as an athlete, and, you know, something I could really get excited about eventually, that had to come to an end, and started working in the corporate world. So did that for a little while, and got going. It really, you know, didn't resonate with me that much. But, you know, I had a wife, and I had some kids on the way, so had to keep grinding it out. And, you know, as I did that, I discovered real estate, and what really helped me with that was I saw the corporate world began to be a vehicle to grow my real estate portfolio, right? Instead of it being the desk jockey in the cubicle, my corporate job was okay, this is the way for me to raise capital and get the best loans to build a real estate portfolio so, and it's ironic, because as that kind of evolved, I gained, you know, more appreciation for the corporate job, and it didn't, it wasn't so burdensome. And I know there's probably a lot of people out there right that feel that way about their job, but you can probably do a mindset shift and say, hey, you know, this can serve me in other ways and it not be such a grind.   Keith Weinhold  37:03   That's a great way to think about it. While you have that job, it sure is an asset in helping you qualify for loans. Right before I quit my job, I made sure I qualified for as many loans as I could, because I sure would have had a hard time getting them immediately after leaving my job, before I built income or build up passively from something else. It's funny, when you're in the corporate world, you're in this context of normalcy. So many people that you know are working. You're around your coworkers all day. They're working, and if it's something you're not passionate about, yeah, you still don't question it, because it takes on that context for normalcy. But once you leave your job, it feels bizarre that anyone would ever show up and spend five of their seven days and most of the waking hours of those days doing something that they're not passionate about. Now maybe you are passionate about what you do. That's where the mindset that I think through there, but that's a good way to help a person feel a little bit better showing up at their job, even if it is a soul sucking job. Nate. So talk to us about this more with this sort of power of purpose that you had, and when you are working your day job, you probably do some living below your means in the short term, but a lot of people just do that decade after decade and grind it out. So how do you think about that with the mindset in this sort of capital formation stage, in order to acquire more property while you're working?   Nate O'Neil  38:29   Like I said, it was an opportunity that the job became an opportunity to fuel the real estate business, which, as you mentioned, I saw that opportunity in 2009 right when prices were low, when interest rates were low, when there was a bunch of nice new foreclosures on the market, I saw the it created a sense of urgency in me, right? So I was like, All right, let's go to work, because the work's going to drive that capital, and the capital is going to allow us to acquire more and more of this real estate, which is, again, something I was passionate about, because we had this just that one rental for that five year period, I saw the power of what it can do over the long term. And when you have that purpose and that clarity, then all the minor stuff that you can get wrapped around and can kind of slow you down, really doesn't matter you have that big vision and that big goal that you're going after that really kind of drives you    Keith Weinhold  39:20   now, before we got started today, I learned that you have a few ways of thinking about how real estate investors can have their cake and eat it too, more tactically. Here tell us about that. And of course, what is the point of having cake if you can't eat it?    Nate O'Neil  39:33   Yeah, for sure, worked in some different industries and some different companies, and seen a lot of different business models. I've never found anything where you can have kind of both sides of the cookie here, or hack cake eat it too. You can depreciate an appreciating asset. The government allows you to depreciate homes, right? Which gives you a nice tax benefit. The money that I make that my corporate job is taxed at a much higher rate than my real estate income, but yet the asset actually appreciates. Dollars. So you depreciate an appreciating asset. I think people underestimate the power of the 30 year mortgage, right? You can lock in an interest rate today for 30 years, and if interest rates go up, you did a great job. You locked in a great, great rate. If interest rates go down, you're a champion. If you just refinance, when you do a 30 year fixed rate mortgage, the lender is committing to you for three decades, but you don't have to commit to them. So again, have your cake and eat it, too. And then you know the whole return on amortization that you talk about, Keith, yeah, when you get to borrow money that you don't have to pay back, in essence, right? The resident that's in your home is paying that money back. So people think about they hate getting bills in the mail. I actually love getting my mortgage statements in the mail. Every month I go through this little ritual, I look at it, and my process is, wow, how much was that principle paid down? Right? I didn't pay it back, right? The rent payment paid it back. So what other scenario can you borrow money that, quote, unquote, someone else is paying back on your behalf,   Keith Weinhold  41:02   that ROA, that return on amortization, also known as principal pay down. Where, yes, you get that statement every month, and you get to see how much a stranger paid down for your property. It's basically a stranger every month is faithfully funding an illiquid savings account for you,   Speaker 3  41:22   it's just incredible. And then the final way I kind of think about having your cake and eating it too, is, is this HELOC strategy. So over time, as you build equity in your portfolio, you can take out a home equity line of credit, right? And the beauty of a line of credit is you open it up and you don't have to make any payments if you don't use the money. But when there's an opportunity, you can pound for that opportunity. And this is what we did in 2020 and 2021 we acquired some new construction fourplexes with HELOCs. And when in using the HELOC strategy, you're able to use every single dollar to keep the balance low. And what it does is it creates this virtuous cycle of increasing cash flow, because it's a line of credit, and you pay off against that, that line of credit, if you need the money back for an emergency, or if a better opportunity comes up, then you basically just pull more off that line of credit. But if you don't have that opportunity of that emergency, then your money is fully working to keep that payment low, which increases your cash flow, and again, it creates that virtuous cycle of of increasing cash flow, which you can use to pay down the HELOC. Even more   Keith Weinhold  42:29   I see no downsides to getting a HELOC to getting a line of credit against your existing primary residence or your rental properties, whatever they are. It's like this flexible credit card where you're drawing on it with your property as collateral, and it's at lower interest rates than a credit card is going to be. And you also have interest only flexibility, meaning even if you draw against it, and you do have a balance and you need to make a payment, therefore you can pay as little as only the interest portion if you want to. In fact, when I bought my first fourplex in order to fund my second fourplex, I took a HELOC second mortgage off of that first one. Love the HELOC really can't think of any downsides with at least having it there. And then it's up to you as to whether you want to draw against it or not. Absolutely talk to us more about you're another out of state investor based in high cost California. There. It sounds unusual to lay people, but here we are as successful investors owning these properties, typically that we have never seen out of state. Are you in that category as well? And talk to us more about the out of state investing experience   Speaker 3  43:40   I've only ever seen one of the units that I own, the rental units that I own, and I actually think it's a huge advantage, because if you're seeing them driving by them all the time, there's probably little nits that you could point out, and, you know, you get some kind of emotional attachment to them. The way I look at it, it's two things. Number one, it's the spreadsheet behind it, right? What are the numbers behind it? What is my mortgage payment? Is there Hoa, taxes, insurance, all that stuff, and what is my rent? And obviously, I'm all about cash flow, so that rent payment has to cover all the expenses with a little extra. The second piece of it behind the spreadsheet is the person managing it right? And I've been very fortunate over my years of investing to find some really quality property managers who I know I can trust. So, you know, absolutely, I mean, developed an ability to hire the right people to manage the property, and they handle just about everything, and I just need to be there, available for them if they have questions for me or decisions I need to make. Fully trust them. I have only ever seen one of the units that I own, and you know, never really planned to go out and visit them.   Keith Weinhold  44:44   You do like to travel, but just not necessarily to your 200k turnkey single family home in the Midwest, in the south, not where you want to stay. There are some advantages and some disadvantages of owning rental properties, say, four blocks from your home. One of the distinct disadvantages is, yeah, you might get that emotional attachment to it. You might get bogged down in inconsequential things. You might drive by and see that the hedge needs a trim. How much of a problem is that really?   Nate O'Neil  45:14   Exactly it, as long as the spreadsheet behind it is spitting out the right numbers, and you have someone that you can trust that can handle anything that that's major, or any tenant issues that's all that's really relevant.   Keith Weinhold  45:26   Has our investment coaching helped inform you at all? Helped you find properties or give you inside information or access to deals or other support?    Nate O'Neil  45:35   Yeah, I have had a conversation with Naresh. One of your investment counselors doesn't, haven't necessarily acted upon that. But, you know, I can say over the, you know, six to seven years that I've been listening to your podcast just understanding kind of the macroeconomic guests that you bring on in the markets that we believe, you know, are good for investing. Like that, information has been extremely valuable to me over the years.    Keith Weinhold  45:57   Our coaches are really deal scouts here in today's market. For example, things are just so much different than they were during the 2008 GFC years. There are always deals in every cycle. You typically just need to shift and find out where those opportunities are. Are there any specific niches or opportunities that you're exploiting today in this particular cycle? Nate   Nate O'Neil  46:19   yeah. So it's really interesting, and I've been spoiled, right in terms of the times when I did a lot of my acquisition back in 2008 we knew it was good, but looking back, you realize just how good it was at that time, and frankly, now is very challenging, right? I mean, affordability is the worst that's been in 40 years. Yeah, right. So you have to be really creative. You know, one of the things that I did recently was I learned how to do a loan acquisition. So assuming a loan can be very helpful, right where you're not dealing with today's interest rates, you can get yesterday's interest rates on a property. So that's been one thing, and one thing I continue to look at. I also believe that I've been focused on single family in some four plexes. I'm looking at smaller multifamily because what I've learned is there's opportunity when there's debt disruption, right? The great financial crisis happened because there were atrocious lending standards leading up to that time, right? So that opened up a window of opportunity. That opportunity is closed. Acquired some fourplexes in 20 and 21 when interest rates were unbelievably low, right? Basically, the Fed funds rate was basically zero. That kind of unique debt situation allowed me to acquire there and now, right? Since 2022 interest rates spiked so quickly, the way I think about it is the debt disruption period, there's probably some acquisitions that happened with, you know, three to five year short term loans that are going to be coming due, and those acquisition are facing payments that are going to double. So there could be some motivated sellers, not in the single family right, where you have 30 year fixed rate or 15 year fixed rate, but in those small, multi family loans, where they have those short term variable rate debts. So that's kind of how I'm thinking right now.   Keith Weinhold  48:05   That's perceptive. It's something I brought up on the show a month or more ago where apartment buildings have got to bottom out at some point those being sensitive to those shorter term interest rates. Well, Nate, this has really been helpful. You've given our audience quite a few things to think about. Is there any last thing that you'd like the audience to know?   Speaker 3  48:25    We talked a little bit about purpose, like that's very important. There is no better way, in my opinion, to build wealth for the average person, no more predictable way risk adjusted, to build wealth for the average person. You know, for the listeners out there. It's great that you're consuming this content, and if you can find a purpose behind it, then it'll help. And the other thing is, get clarity, right? There's a lot of different things you can do within real estate investing, but get clarity on what works for you. And the way to do that, frankly, is just kind of sit and think, I think, you know, especially in today's day and age, there's so many stimulus coming at us, from social media to everything that there's a risk of not being able to get clear. One of the big things that helped me during that, that period of, you know, 2009 to 2015 when we started to scale, was I was very clear about what we wanted. I had a buy box that was, you know, homes built this millennium B grade neighborhoods, cash flowed $300 or more with no more than 25% down in markets with population growth, job growth and favorable rent to price ratios. And when I was able to communicate with the agents and property managers, I was very clear on what we wanted to do. They had clarity on what they needed to do to help us scale so purpose and clarity.   Keith Weinhold  49:41   That's great guidance a specific Buy Box. Yes, focus is harder to find, and it's really important today. It's amazing. Nate, how much work I get done when my phone is one room away, over on the charger. It's incredible how that works. Well, it's been good to get your insight, and it's been good to talk to a guy. That might know the capital of Argentina much like I know a fellow geography guy and real estate investor. Yeah. I really want to thank you for sharing your insight with the audience today.    Nate O'Neil  50:11   Nate, I hope it's valuable for you in the audience.   Keith Weinhold  50:20   Oh yeah, good, relatable material this week, the first guest, Josh, also talked about how he took out a low interest rate car loan. So he held onto those funds rather than handing them over to an auto dealer, stayed liquid and used it for income property, creating a yield for himself that beat the car loan interest rate pretty smart. And before you do that, you do want to be sure that you've got enough liquidity to serve as debt. And then Nate the second one, the more experienced investor, reminding us that deals are not as good as they were coming off the global financial crisis. And he's right, but I still don't know of a better risk adjusted return today, like me, they both use professional property management. I mean, you do have the option of self managing your property remotely that you get from GRE marketplace. But of all the things in the world that you can learn about, even all the things in real estate investing that you can learn about, is self managing really what you want to spend your finite resource of time learning about. Even if you've got good tenants, you're bringing more intrusion and interruption into your life. Property managers don't just protect your asset, they protect your time. Big thanks to GRE listeners, Josh Fang and Nate O'Neil today until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  51:50   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  52:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   The preceding program was brought to you by your home for wealth, building, get rich, education.com.    

In this episode of Listing Bits, Greg Robertson sits down with Todd Carpenter, SVP of Industry Relations at Styldod, to talk about the evolution of real estate technology—from mortgage lead gen to photo AI. They dive deep into how Styldod uses artificial intelligence to help agents with virtual staging, automate compliance workflows, and extract property data directly from listing photos. Todd also shares his career journey through early online mortgage startups, NAR, and RE.net culture to where he is today—working on AI-powered tools designed to modernize listing input and photo compliance for MLSs. Key Takeaways Career Journey – Todd shares his path from growing up in real estate, to working in mortgage tech, to leading social media strategy at NAR, and now serving at Styldod. Photo Compliance and Automation – Styldod's AI can detect and automatically correct issues like branding, people, pets, or license plates in listing photos based on MLS rules. Data Extraction from Photos – The AI identifies room types, finishes, and furniture to help pre-populate listing details and property descriptions. AI-Powered Listing Input – Discussion on how AI can assist in streamlining listing input and future MLS integrations without replacing MLS platforms themselves. Visual Staging and Marketing Add-ons – Styldod enables decluttering, virtual staging, and style customization through a seamless workflow integrated into MLS photo upload processes. Product and Pricing Models – Overview of different pricing approaches for MLSs, agents, and brokers—either as direct charges or revenue-share options. Reimagine.AI – Styldod's consumer-facing product with over 2 million users, offering swipe-based before-and-after image tools. AI Search and Industry Disruption – Todd and Greg speculate on how on-device AI and generative agents may reshape search, SEO, and real estate monetization in the future Contact Todd Email: todd@styldod.com LinkedIn   Links: Reimagine Styldod   Our Sponsors Trackxi – Real Estate's #1 Deal Tracking Software Giant Steps Job Board – Where ORE gets hired   Production and editing services by: Sunbound Studios

Minh Pita y Marcos Castro son dos pequeños pilotos de ferrolterra de tan solo siete años que compiten con pasión y talento en el Campeonato Gallego de Karting. A pesar de su corta edad, ya se desenvuelven con soltura al volante, demostrando un nivel de compromiso, concentración y destreza que impresiona tanto a entrenadores como a familiares. Minh, natural de Narón, empezó a los cinco años en este mundo. Desde muy pequeño mostró una afición desbordante por los coches. Según su padre, Marcos Pita, él mismo nunca practicó automovilismo, aunque sí fue seguidor de los rallies. Pero fue Minh quien, por pura iniciativa propia, se volcó con el karting desde el primer momento. Su primer contacto fue con un coche eléctrico de policía en casa, pero pronto quiso más. Probó su primer kart en las fiestas de Cedeira y, como él mismo dice con timidez, “cuando me subí ya supe”. No le dio miedo y lo tuvo claro: quería correr. Por su parte, Marcos Castro, de Neda, ha comenzado este mismo año. Hijo de una familia vinculada al mundo del motor —sus padres compiten juntos en rallies—, lleva la pasión en la sangre. A los siete años ha iniciado su andadura en las pistas, siguiendo los pasos de sus progenitores. Reconoce que Minh “es mejor, porque empezó antes”, pero ambos ya compiten codo con codo, construyendo una sana rivalidad que alimenta su progreso. Ambos entrenan en Lugo, ya que las instalaciones en ferrolterra son escasas o están cerradas, como la pista de As Pontes. Participan en el circuito gallego y también en pruebas de Castilla y León y competiciones sociales, siempre que la distancia lo permite. Su aprendizaje comenzó en la Rookies Cup de Lugo, una escuela pensada para niños sin equipamiento propio. Sus familias, conscientes del alto coste de este deporte —los karts pueden costar más de 1.500 € solo en el motor, sin contar chasis, ruedas o transporte—, han formado una pequeña comunidad de apoyo mutuo. A menudo comparten desplazamientos, gastos y tareas. Y aunque los patrocinadores aún escasean, alguna ayuda de amigos o pequeñas colaboraciones empieza a surgir. Más allá del rendimiento en carrera, ambos padres coinciden en que lo importante es que los niños se diviertan, aprendan y mantengan viva la ilusión. Porque competir a 50 km/h a esa edad requiere más que técnica: exige compromiso, paciencia y disciplina. “Es una escuela de vida”, dicen. A veces la mecánica no responde, a veces hay frustraciones, pero todo ello forma parte del crecimiento. Actualmente, piden mayor apoyo institucional: un circuito en la comarca de Ferrol permitiría entrenar sin desplazarse a otras provincias. Una infraestructura así no solo beneficiaría al karting, sino también a otras disciplinas del motor como las minimotos. Minh y Marcos tienen un futuro prometedor por delante. ¿Llegarán a la Fórmula 1? Nadie lo sabe. Pero, por ahora, ya son un orgullo para sus familias y un ejemplo de cómo la pasión puede comenzar con solo siete años. Su próxima carrera será el 27 de junio en As Pontes, y no cabe duda de que saldrán a darlo todo, como siempre.

Ferrol ha encarado el fin de semana con dos incidentes significativos que ponen el foco en el estado de sus infraestructuras y la seguridad de sus trabajadores. Un importante socavón en la calle Rubalcava y la agresión a un operario de Urbaser mientras realizaba su trabajo han copado la atención del Concejal de Servicios, José Tomé. Un nuevo socavón abre una brecha en Rubalcava El centro de Ferrol amanecía este viernes con un preocupante hundimiento en la calzada de adoquín de la calle Rubalcava, entre Magdalena y Real. La Policía Local procedió de inmediato a acordonar la zona y cortar el tráfico. Hasta el lugar se desplazaron técnicos de Emafesa para evaluar la magnitud de los daños y coordinar las labores de reparación. El incidente cobra especial relevancia al haberse producido en un tramo donde, hace apenas dos meses, se realizaron trabajos en las redes de aguas residuales y suministro de agua potable, actuaciones que ya habían obligado a cerrar la calle al tráfico durante más de una semana. El Concello de Ferrol cuenta con un proyecto de reurbanización de la calle Rubalcava, con una primera fase de más de un millón de euros. Sin embargo, el tramo afectado por este último hundimiento no está incluido en esta fase inicial, quedando reservado para una segunda etapa aún sin fecha definida. A la preocupación por las infraestructuras se suma la indignación por la agresión sufrida por un operario de la empresa Urbaser en la madrugada del pasado sábado. El trabajador, de 52 años, fue agredido mientras realizaba sus labores de recogida de residuos en la calle Vilarrube, alrededor de las 03:00 horas.Según los primeros datos, un vecino de Narón de 38 años se acercó al operario y lo golpeó sin mediar palabra, provocándole una caída y un fuerte golpe en la cabeza. El trabajador permanece ingresado en la UCI del Chuac de A Coruña con pronóstico grave, aunque estable, debido a diversos golpes y contusiones. El presunto agresor fue detenido una hora después por la Policía Local y, tras pasar a disposición judicial, ha quedado en libertad, aunque está siendo investigado por un delito de agresión. Tanto el gobierno municipal de Ferrol como el comité de empresa de Urbaser han condenado enérgicamente los hechos, expresando su apoyo a la víctima y exigiendo que "todo el peso de la ley caiga sobre el agresor". Este incidente subraya la vulnerabilidad de los trabajadores de servicios esenciales y la necesidad de garantizar su seguridad en el desempeño de sus funciones.

Existing home sales ticked up slightly in May — but not enough to turn around what's been the slowest May in 16 years. In this episode, Kathy Fettke breaks down the latest data from the National Association of Realtors and explores why more listings aren't translating into more sales. With mortgage rates still hovering near 7% and home prices hitting new highs, affordability remains a key obstacle for today's buyers. Kathy also shares insights from top economists at NAR and Realtor.com, examines the shifting regional trends, and explains what rising inventory could mean for investors in the second half of the year. Source:  https://www.realtor.com/news/real-estate-news/existing-home-sales-report-nar-may-2025/  https://www.npr.org/2025/06/23/nx-s1-5440502/home-sales-uncertainty-mortgage-rates    JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1 FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS

The U.S. Senate is deep in debate over the “One Big Beautiful Bill Act,” with lawmakers hoping to get it signed into law by the Fourth of July. But the Senate's version won't look exactly like the one passed by the House—so what's up for negotiation, and what could get washed away in the process? Shannon and Patrick break down where NAR's top tax priorities stand, what's transpired so far, and how a “Byrd Bath” could change everything.

Narón prepárase para celebrar as súas tradicionais Festas de San Xiao, que terán lugar o vindeiro sábado, 28 de xuño de 2025, no Entorno Cívico Social de San Xiao de Narón. Unha xornada repleta de actividades para toda a familia, que comezará ás 19:00 horas con xogos tradicionais, populares e inchables para os máis pequenos. O prato forte da xornada será a Sardinada Churrascada popular, que dará comezo ás 21:00 horas, ofrecendo unha deliciosa oportunidade para desfrutar da gastronomía local con churrasco, criollo, pan, viño, gaseosa, auga e café. Os prezos serán de 15€ para socios/as (incluíndo unha sardiña de agasallo) e 18€ para non socios/as. Tamén haberá sardiñas soltas a 3€ cada unha. Os tickets poderán adquirirse con antelación os días 18, 20, 25 e 27 de xuño no Centro Cívico Social de San Xiao en horario de 19:30 a 21:00h, e o propio día 28 de 19:00 a 21:00h. A música será un dos piares fundamentais destas festas. Ás 21:00 horas, o Grupo de Gaitas do Padroado da Cultura deleitará aos asistentes coa mellor música tradicional. E para pechar a noite cun broche de ouro, ás 22:30 horas, o recoñecido artista Budiño ofrecerá un concerto que promete ser inesquecible, presentando o seu novo espectáculo baseado no seu último traballo discográfico, "Branca Vela".

Była prezes Trybunału Konstytucyjnego Julia Przyłębska ocenia, że działania podważające status sędziów są de facto działaniami wymierzonymi w Naród, który dokonał wyboru Karola Nawrockiego.

Dr. JB Hixson Mary welcomes back JB Hixson for our regularly scheduled visit talking about irregularly scheduled events. With such a short window to discuss the details each day, the goal is to stay as current as possible, with a focus on a God Who changes not. Today we discuss shape-shifting movements that represent fundamental transformations in many areas that our parents would have never conceived of. In one short generation, maybe 2 depending on the math, our world has become a very dangerous place filled with those who wish to plot the next course of humanity. The Technocrats have for many decades longed to rule the world, and as the tech infrastructure seems to show no signs of leveling out, AI is going to ultimately realize a civilizational shift in every area of life. We talk about the NAR crowd and their true colors when it comes to Israel. We also look at antisemitism, the future Ezekiel war, and much more. PRODUCER NOTE: AUDIO ISSUES TODAY - BE ADVISED: 30 SECONDS BETWEEN SEGMENTS TODAY!   Stand Up For The Truth Videos: https://rumble.com/user/CTRNOnline & https://www.youtube.com/channel/UCgQQSvKiMcglId7oGc5c46A

As the country reeled from the politically/religiously motivated murders in Minnesota, the killers association with a religious movement called the New Apostolic Reformation raised questions. Author of Weaponized Religion: From Christian Identity to the NAR and host of the Leaving the Message podcast, John Collins joins Michael Regilio to discuss the history and trajectory of the NAR. More at dogmadebate.com 

María López Carballo, nacida en Narón en 2004, es una virtuosa de la zanfona y la gaita gallega, con una destacada trayectoria musical desde la infancia. A los 8 años tocó con Carlos Núñez en Vigo y, diez años más tarde, volvió a compartir escenario con él en Ferrol. Entre sus logros destaca haber ganado con solo 14 años el prestigioso Trofeo MacCrimmon en el Festival Intercéltico de Lorient, convirtiéndose en la ganadora más joven y en la primera mujer gallega en conseguirlo. Ha colaborado con referentes del folk como Daniel Bellón y Susana Seivane, es coautora del libro “As que dormen entre o centeo”, y lanzó recientemente su primer disco, “Daydreaming”, bajo el sello Segell Microscopi. También tiene formación profesional en piano y gaita. Pese a su prometedora carrera musical, decidió estudiar Ingeniería en Tecnologías Industriales en la Escola Politécnica de Enxeñaría de Ferrol, donde acaba de finalizar el tercer curso. Su pasión por la música permanece, pero reconoce las dificultades de vivir de ella y ve en la ingeniería una vía para combinar ambas disciplinas. Para su trabajo de fin de grado, investiga la fabricación de gaitas mediante impresión 3D, especialmente centrada en la elección de materiales adecuados para cada pieza del instrumento. Mirando al futuro, María no descarta ejercer como ingeniera, docente o continuar en el mundo de la música si surge una buena oportunidad. Su enfoque interdisciplinar y su talento la posicionan como una figura prometedora tanto en el ámbito técnico como artístico.

Highlights:Real Estate Shifts + Opportunities* 25% of NAR agents are 65+, signaling a coming industry shift

* Legacy agent acquisition systems are crucial for smooth exits

* Younger agents have a window to gain market share through warm leads



Hoy hemos recibido a los integrantes de los equipos ganadores de la II Carrera Greenpower Galicia, celebrada la pasada semana en el circuito de karting de As Pontes. En esta edición, los vencedores en las dos categorías principales fueron el equipo EPEF Racing Team II, de la Universidade da Coruña (UDC), en la categoría F24+ (de 16 a 25 años), y el TT Racing Narón, formado por alumnado del IES As Telleiras y del IES Terra de Trasancos de Narón (A Coruña), en la categoría F24 (de 11 a 16 años). La competición, organizada por la Escola Politécnica de Enxeñaría de Ferrol (EPEF) bajo el paraguas del Campus Industrial de la UDC, y con la colaboración de la Escudería As Pontes Motorsport, reunió el pasado 18 de junio a diez equipos procedentes de distintos puntos de Galicia y Asturias. La Carrera Greenpower Galicia no premia la velocidad, sino la eficiencia. El reto consiste en recorrer la mayor distancia posible —es decir, dar el mayor número de vueltas al circuito— utilizando únicamente un par de baterías eléctricas sin posibilidad de recarga o sustitución durante la prueba. Para ello, los equipos compiten con vehículos eléctricos construidos a partir de un kit básico proporcionado por Greenpower Iberia o con coches diseñados desde cero. En la categoría F24 (11-16 años), los participantes se enfrentaron a una prueba de resistencia de 90 minutos, con el requisito obligatorio de cambiar de conductor o conductora al menos una vez durante la carrera. En la categoría F24+ (16-25 años), los equipos compitieron en dos pruebas de 60 minutos cada una, sin obligación de realizar relevos. Este evento, que combina ingeniería, sostenibilidad y trabajo en equipo, tiene como objetivo fomentar el interés del alumnado por las carreras científico-tecnológicas mediante una experiencia práctica, colaborativa y respetuosa con el medio ambiente.

SUMMARY: A rare busy Monday show as we break down the impact the US attacking Iran will have on markets, the Trump administration's pressure campaign on Powell, and the busy week ahead for inflation and housing data.  Heather Ashworth, Broker at Nest Realty, joined the program to discuss the impact one year later from the NAR lawsuit, whether it's a buyer or seller's market, how the market has changed from the hot COVID housing market, the importance of your house being turn-key ready when you list, the changing trends in homes, and why monthly payment has become buyers top priority.DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #2028201

Der amerikanische Militärschlag “Midnight Hammer” gegen den Iran erschüttert den Nahen Osten. US-Präsident Donald Trump hat Samstagnacht Fakten geschaffen:Gehört dieser Krieg damit jetzt Donald Trump? Wie reagiert das iranische Regime? Wie geschwächt sind die Mullahs? Was bedeutet das für Israel, den Iran, Europa – und für uns alle? In dieser Folge haben Katrin Eigendorf, Ulf Röller und Elmar Theveßen die ZDF-Korrespondentin für den arabischen Raum, Golineh Atai eingeladen. Sie diskutieren über die Repressionen im Iran und die Möglichkeiten des Regimes. Katrin Eigendorf berichtet über die unmittelbaren Folgen der Angriffe in Tel Aviv, die Stimmung im Land und die Frage: Will Israel mehr als nur die Zerstörung des Atomprogramms? Elmar Theveßen erzählt aus Washington über die Motive und Risiken hinter Trumps Militärschlag, die US-amerikanische Innenpolitik und die geopolitischen Folgen. Eine tiefgehende, streitbare Analyse über Macht, Moral, Diplomatie – und die offene Frage: Stehen wir vor einem Regimewechsel oder einem Flächenbrand? Wir diskutieren, warum Europa mal wieder “nichts” macht, welche Rolle Russland und China spielen – und ob ein Regimewechsel im Iran realistisch oder brandgefährlich wäre. Eine intensive, kontroverse und hochaktuelle Analyse einer Weltlage im Ausnahmezustand. Im Podcast “‘Der Trump Effekt” ordnen die Hosts die wichtigsten Entwicklungen ein und erklären komplexe Zusammenhänge. Ein Podcast für alle, die verstehen wollen, warum die Welt seit Trump nicht mehr dieselbe ist – und was als Nächstes kommen könnte. ___ Anregungen, Kommentare oder Kritik gerne per Mail an: auslandsjournalpodcast@zdf.de ZDF-”auslandsjournal – der Podcast” - ‘Der Trump Effekt' ist eine Produktion von BosePark Productions im Auftrag des ZDF-auslandsjournal. Lead Producerin: Miki Sič, Schnitt und Sound: Luca Kaduk Executive Producer:innen: Su Holder & Chris Guse ZDF auslandsjournal: Narîn Şevîn Doğan, Matthias Pupat Leiterin ZDF auslandsjournal: Stefanie Schoeneborn ZDF Hauptredaktion Audience: Corinna Meisenbach ZDF Produktion: Linda Kleemann und Ulrike Schork

⏱️ Rozdziały:(00:00) Wstęp(02:12) Izraelski atak – ocena(06:06) Cel i granice – czy Izrael obali reżim?(17:08) Co oznacza przerzucenie lotniskowców?(20:39) Trump – jego możliwe ruchy i cele(32:33) Rosja & Chiny – bilans geostrategiczny(44:00) Naród – siła państwa Izrael(48:52) Impakt na Europę i PolskęMecenasi programu: Inwestuj w fundusze ETF z OANDA TMS Brokers: ⁠⁠⁠⁠⁠https://go.tms.pl/UkladOtwartyETF ⁠⁠⁠⁠⁠AMSO-oszczędzaj na poleasingowym sprzęcie IT: ⁠⁠⁠⁠⁠https://amso.pl/Uklad-otwarty-cinfo-pol-218.html⁠⁠⁠⁠⁠⁠Novoferm: ⁠⁠⁠⁠⁠https://www.novoferm.pl/⁠ ⁠⁠⁠⁠⁠Zgłoś się do Szkoły Przywództwa Instytutu Wolności:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://szkolaprzywodztwa.pl⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Link do zbiorki: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://zrzutka.pl/en6u9a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patronite.pl/igorjanke⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠➡️ Zachęcam do dołączenia do grona patronów Układu Otwartego. Jako patron, otrzymasz dostęp do grupy dyskusyjnej na Discordzie i specjalnych materiałów dla Patronów, a także newslettera z najciekawszymi artykułami z całego tygodnia. Układ Otwarty tworzy społeczność, w której możesz dzielić się swoimi myślami i pomysłami z osobami o podobnych zainteresowaniach. Państwa wsparcie pomoże kanałowi się rozwijać i tworzyć jeszcze lepsze treści. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Układ Otwarty nagrywamy w ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bliskostudio.pl ⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

What does it take to build a thriving real estate business from scratch—while raising three kids as a single mom? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with Beverly Hecht, a top Jacksonville Beach realtor, who shares her compelling journey from IT sales to becoming a real estate powerhouse. A Jacksonville native with deep community roots, Beverly dives into how her corporate discipline, single-mom tenacity, and relentless drive helped her transition into real estate and build a loyal client base along Florida's First Coast. From navigating tough markets like 2008's crash to today's complex insurance landscape and evolving buyer expectations, Beverly offers rich insights and strategies that new and seasoned agents alike can benefit from. Her love for the beaches, community involvement, and commitment to lifelong learning truly set her apart in a competitive industry. Loved Beverly's story? Subscribe now and leave us a review! Share this episode with someone who dreams of turning obstacles into opportunity in the real estate world.   Highlights: 00:00 - 04:30 Beverly's Early Career & Transition ·        Shifts in buyer behavior ·        Parenting perspectives on adulthood ·        Helping all age groups purchase homes ·        Insight into young vs. seasoned buyers ·        Real estate as a path to wealth 04:31 - 11:00 Navigating Generational Differences ·        Pursuing teaching for family time ·        Corporate-sponsored bachelor's degree ·        Missed opportunity at UF master's program ·        Management and HR experience ·        Reflection on shifting corporate values 11:01 - 20:00 Jacksonville's Unique Real Estate Market ·        Geographic and lifestyle diversity ·        Schools' influence on buying decisions ·        Customized client tours ·        Community needs: golf, beach, fitness ·        Real-life relocation scenarios 20:01 - 27:00 Insurance Woes & Structural Challenges ·        Florida's condo insurance chaos ·        Effects of new regulations ·        Firsthand experience with rising premiums ·        Advice for home buyers ·        Navigating inspections and requirements 27:01 - 00:38:00 Insurance, Market Challenges, and Pricing ·        Shifts in market dynamics ·        Personal sacrifices during 2008 crisis ·        Foreclosures and investor impact ·        Strategy for buyers in today's market ·        Education on value vs. price 38:01 – 01:11:03 Agent Growth & New Market Realities ·        Helping buyers in a high-rate environment ·        Tips for new agents post-NAR changes ·        The power of open houses ·        Buyer rep agreements and their perception ·        Risk management in today's market ·        Conclusion   Quotes: “I feel very fortunate that I come from a corporate background where there were methods and procedures.” – Beverly Hecht “You're not going to get the perfect storm—low rates and low home prices with the home you want.” – Beverly Hecht “My heart's not in working with investors looking to take advantage of people.” – Beverly Hecht “Real estate does more for me than sometimes I think it does for them.” – Beverly Hecht   To contact Beverly Hecht, learn more about her business, and make her a part of your network, make sure to follow her on her Website, Instagram, Facebook, and LinkedIn.   Connect with Beverly Hecht! Website: https://www.beverlyhechtrealtor.com Instagram: https://www.instagram.com/beverlyhecht/ Facebook: https://www.facebook.com/beverlyhechtpa/ LinkedIn: https://www.linkedin.com/in/beverlyhechtpa/   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #JacksonvilleRealtor #BeverlyHecht #BeachLifeHomes #RealEstatePodcast #WomenInRealEstate #RealEstateGrit #FloridaHomes #RelocationExpert #HousingMarket2025 #HomeBuyers #RealEstateTips #RealtorLife #SingleMomSuccess #MarketInsights #BuyersMarket #CondoLiving #RealEstateEducation #FloridaInsurance #LocalLeadership

Det har kommit nya besked både kring styrräntan, amorteringar och hur mycket bolån man får ta. Samtidigt skärps råden kring ränterabatter. Det här är en vecka som gett högbelånade stockholmare väldigt glada nyheter. Lyssna på alla avsnitt i Sveriges Radio Play. Riksbanken sänker räntanI veckan meddelade Riksbanken att styrräntan sänks till 2 procent. “Konjunkturen har tappat fart”, säger Riksbankens chef Erik Thedéen, som inte utesluter ytterligare sänkningar framöver. Amorteringsreglerna ändrasSamtidigt vill regeringen och finansmarknadsminister Niklas Wykman ändra reglerna kring bolånetak och amorteringar. “Det ska bli enklare att ta sig in på bostadsmarknaden”, säger han. Billigare att lånaRäntesänkningen och amorteringsändringarna gör att månadsutgifterna sänks rejält för vissa låntagare. Något som i sin tur kan få bostadspriserna att stiga – och skuldsättningen att öka. Banker går till börsenNär bolånebanken Enity, känt under varumärkena Bluestep och 60plusbanken, börsnoterades nyligen var intresset stort. Ytterligare en bank, Nordic capital-ägda Noba, är på väg till börsen efter många om och men. “Vi har en hyggligt bra stämning på aktiemarknaden just nu”, säger Gabriel Mellqvist.Producent och programledare:Hanna MalmodinMedverkande och röster i programmet:Gabriel Mellqvist, ekonomijournalist EFNMoa Langemark, konsumentskyddsekonom FinansinspektionenErik Thedéen, chef RiksbankenBjörn Lander, vd EnityNiklas Wykman (M), finansmarknadsministerAndreas Carlson (KD), bostadsministerekonomiekotextra@sverigesradio.se

In this episode of Industry Relations, Rob and Greg reflect on a recent panel discussion hosted by the Orange County Association of REALTORS®. They discuss the incentives that drive agent and broker behavior, the value and vulnerabilities of the MLS in a post-settlement world, and the broader structural changes facing the real estate industry. The first half of the conversation also includes a candid exchange on trades as a career path and the shifting economic landscape for young adults. Key Takeaways   MLS Incentive Structures – A deep dive into how policy changes have affected the incentive for brokers to remain in the MLS, especially with the decline of enforceable compensation. Broker Power and Consolidation – Why the largest brokerages may now have more incentive to operate independently of the MLS and what that means for smaller firms. Agent-Level Impact – Rob and Greg question whether large-scale policy debates truly affect everyday agents and argue that most industry drama doesn't change the work agents do. Panel Highlights – Reflections on a live panel with James Dwiggins and Ed Zorn, including audience reactions and a question: “What would you do if you ran NAR?” Compensation and Enforcement Post-Settlement – Analysis of how buyer-agent compensation continues through informal agreements and social norms, despite changes to MLS rules. Trades and Career Advice – A wide-ranging discussion on whether young people should consider skilled trades as an alternative to traditional college paths. Connect with Rob and Greg Rob's Website  Greg's Website  Watch us on YouTube! Our Sponsors: Cotality  Notorious VIP The Giant Steps Job Board    Production and Editing Services by Sunbound Studios

Segment 1: • False teacher Kathryn Krick is drawing crowds with emotional spectacle and “miracle” theatrics. • People are chasing feelings, not truth—spiritual highs can't sustain faith. • Discernment means anchoring in truth, not seeking constant emotional adrenaline. Segment 2: • Calling out false teaching doesn't make you sexist—it makes you biblical. • Rick Joyner defends a predator pastor—what does that reveal about NAR leadership? • Wolves in sheep's clothing prey on the vulnerable under the guise of “healing.” Segment 3: • Church bells silenced in the UK—are we watching faith erased from public life? • What was once a symbol of worship is now seen as a nuisance. • Losing tradition often signals something deeper: the collapse of community and conviction. Segment 4: • Catholic bishops sue over mandatory abuse reporting—calling it a threat to religious freedom. • This isn't just legal—it's moral: should silence ever protect sin? • Also: new Fortis podcasts that confront cultural chaos with gospel clarity. ___ Thanks for listening! Wretched Radio would not be possible without the financial support of our Gospel Partners. If you would like to support Wretched Radio we would be extremely grateful. VISIT https://fortisinstitute.org/donate/ If you are already a Gospel Partner we couldn't be more thankful for you if we tried!

A real estate license isn't just for selling homes. It's a whole launchpad…if you know how to use it right.  If you're a great agent, you're doing way more than unlocking doors and writing offers.  You've got skills that can help you stand out and stack your income. In today's market, the old playbook won't cut it.  Inventory is tight, interest rates are still high, and the NAR settlement changed the game. Agents who stick to business-as-usual are getting left behind.  It's not just about closing deals anymore. It's about thinking bigger, leveraging your skill set, embracing tech tools like AI, and getting creative with things like expired listings and renovation loans.  Everyone's got access to the MLS… but what you do with it?  In this episode, I'm breaking down exactly how I turned one real estate license into a six-figure, multi-stream business. You'll hear how top producers are using AI to revive expired listings, bring real value to sellers, and guide buyers with smart financing options like the 203K loan.  With limited inventory and high interest rates, we have to think creatively to get people off the bench. -Marki Lemons Ryhal   Things You'll Learn In This Episode The skill stack strategy How do you leverage one real estate license into a business that includes teaching, speaking, and consulting? How to elevate expireds What's the secret to turning expired listings into signed clients using AI-powered visual tools? Value that speaks louder than scripts Why do styling guides and tech-based insights beat any sales pitch and get homeowners to call you back? The 203K Advantage How can you use renovation loans to create urgency, secure offers, and add more value in buyer conversations?   About Your Host Marki Lemons Ryhal is a ​​Licensed Managing Broker, REALTOR® and avid volunteer.  She is a dynamic keynote speaker and workshop facilitator, both on-site and virtual; she's the go-to expert for artificial Intelligence, entrepreneurship, and social media in real estate. Marki Lemons Ryhal is dedicated to all things real estate, and with 25+ years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Marki's expertise has been featured in Forbes, Washington Post, http://Homes.com , and REALTOR® Magazine.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

In our fourth episode in the Summit Series, we pick up again with these four real estate team leaders in one conversation:- Renee Funk of The Funk Collection- Ken Pozek of Pozek Group- Ben Laube of Ben Laube Homes- Jenny Wemert of Wemert Group RealtyEach runs their business differently - from vision to lead generation to culture. So you'll hear similarities and differences, as well as agreements and disagreements, as we move through their team-building experiences, challenges, and insights.In the previous episode: what sparked their teams, how they develop agent avatars, key pieces of their operating systems, how they're managing today's market, and more.You can see or hear that episode right here: www.realestateteamos.com/episode/when-how-and-why-start-real-estate-team-summit-seriesIn this conversation: lead sources and lead distribution, repeat and referral strategies, repairing and updating systems, defining and managing culture, and looking to the future of real estate teams.Watch or listen to this Summit Series episode for insights into:- How they manage lead sources and lead distribution - from database, organic, content, and social to PPC and Zillow- Specific ways they help their agents increase repeat and referral business- What role they've put themselves in and what they're most focused on right now- The state of their recruiting funnels and what works best- How they define and manage culture- Threats and opportunities ahead for real estate teams, from going independent to competing with big brokerages to NAR and MLS considerationsWe recorded these episodes at The Creator House, a studio in Orlando created and run by our friends at Sweet Fish Media.Still ahead in this series: another conversation with operations leaders and another conversation with agentsSign up for subscriber-only episodes and email-exclusive insights so you don't miss any of them: https://realestateteamos.com/subscribeFollow our Summit Series team leaders:- Ken Pozek https://www.instagram.com/kenpozek/- Jenny Wemert https://www.instagram.com/jennywemert/- Ben Laube https://www.instagram.com/benlaube/- Renee Funk https://www.instagram.com/renee_funk/Follow Real Estate Team OS:- https://www.realestateteamos.com- https://linktr.ee/realestateteamos- https://www.instagram.com/realestateteamos

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ******************* 2025's Real Estate Rollercoaster: Dodge the Career-Killers with THIS Mastermind!

In this episode of Industry Relations, Rob and Greg recap the 2025 NAR Midyear Meetings in Washington, D.C., discussing key industry developments, MLS policy changes, and behind-the-scenes dynamics. Topics include the repeal of the commingling ban, updates to NAR's controversial 10-5 speech policy, and ongoing MLS consolidation. They also cover vendor presence, association politics, and speculation around leadership changes in CMLS.   Key Takeaways   Compass “Protest” at Midyear – Greg recounts organizing a publicity stunt in front of Compass's hotel to promote Tuesday.com  Repeal of Co-mingling Ban – Discussion on how NAR's removal of the commingling restriction could impact listing syndication and MLS relevance. 10-5 Policy Changes – Rob and Greg unpack the revision of NAR's hate speech rule, its political implications, and the proposal for a “conduct unbecoming” clause. MLS Consolidation – A growing theme from the meetings was consolidation, with T3 data showing Bright MLS now leading in subscriber count. CMLS Leadership Transition – With Denee Evans stepping down, the episode explores possible successors and whether CMLS and RESO should consider a merger. Policy Governance Shifts – Signs point to NAR possibly stepping back from MLS policy-making, sparking conversation about which organization might take that role. Vendor and Trade Show Insights – Observations about reduced vendor presence and the challenges for newer tech companies trying to break into the space. Affordability and Market Outlook – Brief discussion on macro issues like tariffs, political shifts, and whether the real estate market is moving toward a buyer's market. LInks Rally for the MLS (video) ZillowGate Van   Connect with Rob and Greg Rob's Website https://notoriousrob.substack.com/ Greg's Website https://www.vendoralley.com/about-2/ Watch us on YouTube Our Sponsors: Cotality https://www.cotality.com/ Notorious VIP https://notoriousrob.substack.com The Giant Steps Job Board https://vendoralley.jobboard.io/   Production and Editing Services by Sunbound Studios

This week on This Week in Real Estate (tWiRE) — we follow the money.

Nykia Wright brings a breadth of executive leadership and strategic advisory experience to her role as Chief Executive Officer of the National Association of REALTORS® (NAR). She talks with Bobbi and Alex about the value of NAR and what's to come in the post-settlement landscape. Bobbi's Book Bit: The Infinite Game by Simon Sinek (Jump to interview at 11:40)

Join us this week on the Atlanta REALTORS® Rundown with host Karen Hatcher and special guest Skyler Lemons! Skyler, known as the "Down Payment King," is a NAR 30 Under 30 honoree and a powerhouse in helping clients achieve their homeownership goals. In this episode, we dive into creative financing, down payment resources, and what it takes to succeed as a young leader in real estate.

SUMMARY: David Benford, team lead for the David Benford Group, stops by the show to talk about how he got started in real estate, the impact of the NAR lawsuit, the current slowdown in the housing market, how the luxury market differs from the mid-range market, and what he sees happening for housing in the future.  Tyler also breaks down what happened to rates last week and the big week ahead for inflation and some big bond auctions.DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #2028201

In this episode, we welcome back Marvin Jolly, Regional President and Past NAR RVP, to explore the mission and impact of the American Property Owners Alliance (APOA). Marvin discusses how this nonprofit and nonpartisan organization partners with NAR to amplify advocacy for property rights, not just for REALTORS®, but for homeowners nationwide. Tune in to hear how APOA is helping shape legislation on housing affordability, inventory, zoning reform, and tax deductions, all while building a powerful network of 10 million+ property owners. Learn how connecting, not correcting, can move the real estate industry forward—together.

In this episode of the Advocacy Scoop, Shannon and Patrick take the stage live at the REALTORS® Legislative Meetings in Washington to highlight NAR's tax reform wins and reveal what NAR Advocacy is doing behind the scenes as the legislation moves to the Senate. They also unveil NAR's new 2025 federal advocacy priorities and give listeners the scoop on an exciting new NAR member tax survey and an exclusive national poll on capital gains. BONUS CONTENT: Following this month's episode, hear a panel of NAR tax experts go in-depth on the tax bill.

In this episode of the Real Estate Education Podcast, we break down two of the hottest topics in the U.S. housing market right now: the difference between condos and townhomes in today's market and the real-world impact of the 2024 NAR commission lawsuit on buyers, sellers, and real estate agents across the country.  Condos vs. Townhomes – Which attached home is selling better in 2025? We analyze national housing data and local market trends to explain why townhomes are outperforming condos in pricing, days on market, and financing ease. If you're planning to buy or sell an attached home, this segment could influence your strategy—especially in cities like Denver, Colorado Springs, and beyond.  Real Estate Commissions in 2025 – The 2024 lawsuit against the National Association of Realtors (NAR) promised sweeping change, but what's actually different now for buyer's agent commissions? We walk you through how this affects homebuyers, sellers, and real estate professionals, from required written agreements to changes in MLS advertising rules. Spoiler: much of the hype has not played out in practice, but we give you a grounded breakdown of what has shifted.  And yes—NBA fans, we start the episode with a fun riff on the 2025 NBA Playoffs, wild comebacks, and why Nikola Jokić might still be the best player in the league. Perfect for: Buyers wondering if now is the time to purchase a condo Sellers deciding how to price and position townhomes Realtors adapting to new buyer commission structures Investors tracking shifts in residential real estate strategy Fans of informed, no-hype real estate talk with personality  Search terms this episode is optimized for: real estate podcast 2025, condos vs townhomes 2025, NAR lawsuit update, buyer agent commission changes 2025, attached homes vs detached homes, townhome resale value, condo market downturn, how realtors get paid now, housing trends United States 2025, real estate commission lawsuit explained  Subscribe now for practical insight, straight talk, and actionable real estate strategies.  Contact Information: erin@erinspradlin.com or James@jamescarlsonre   

In this episode of On the House with Spartan Invest, Lindsay Davis, Jason Boner, and Kimberly Benefield discuss the evolving landscape of real estate, focusing on the importance of building relationships with investors, current trends in real estate education, the implications of the NAR settlement, and the impact of technology and AI on the industry. They also explore emerging investment opportunities, the significance of sustainability, and best practices for utilizing AI in real estate transactions. Jason and Kimberly discuss the current state of the real estate market, emphasizing the importance of empathy, market trends, and the behavior of sellers and buyers. They explore the challenges faced by sellers in a shifting market, the significance of pricing strategies, and the necessity of good real estate agents. The discussion also highlights the opportunities for investors, the importance of timing in real estate, and the value of building relationships within the industry. Creative financing and deal structuring are also addressed, showcasing the need for open-mindedness and collaboration in achieving successful outcomes.Check out RAMP Real Estate on IG: https://www.instagram.com/ramprealestate/To learn more about our full-service turnkey operations, check us out online at www.spartaninvest.comConnect with Spartan!Facebook: @spartanTURNKEYInstagram: @spartaninvestLinkedIn: @spartaninvestConnect with Lindsay!Facebook: @spartanlindsaydavisInstagram: @spartanlindsaydavis

Tune in to the Drive with NAR podcast as host Marki Lemons Rhyal engages in an inspiring conversation with NAR Good Neighbor Award winner Ed Gardner and Broker Engagement Committee Chair Antje Gehrken. Discover how their community service efforts are making a difference and learn how real estate professionals can create a community impact. This episode highlights the importance of being a good neighbor and the positive effects community service can have on your real estate business.  Meet the Guests... Ed Gardner, GRI, is the broker-owner of Gardner Real Estate in Portland, Maine. He founded the Equality Community Center, which provides tenant space for 18 nonprofit organizations in Portland. Ed is a 2024 NAR Good Neighbor Awards winner. Antje Gehrken, CCIM, is president and designated managing broker at A.R.E. Partners in Chicago, Illinois. She currently chairs NAR's Broker Engagement Committee and is a Board Director for the Northwest Indiana Realtors Association.

Send us a textIn this episode I discuss the legality and ethics of including real estate commissions in contracts. I will clarify misconceptions surrounding commission payments, emphasizing that it is not illegal or unethical to include them in contracts. I also highlight the changes brought about by the Sitzer settlement, which affects how buyer agents are compensated. The conversation will underscore the fiduciary duty agents have to their clients and the importance of clear communication regarding compensation in real estate transactions.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.

In this episode of the Global Investors Podcast, Charles Carillo interviews Joseph McCabe, a U.S. Army veteran, serial entrepreneur, and the founder of The Surefire Group. Joseph shares how he built a vertically integrated real estate business by helping brokerages and builders set up compliant joint ventures for mortgage, title, and insurance services. His strategy—modeled after top national brokerages like Keller Williams—allows local real estate businesses to retain more income per transaction, increase agent loyalty, and survive tighter profit margins in a post-NAR settlement world. Listeners will learn: How real estate brokerages can generate 3–5x income through ancillary service JVs Why RESPA safe harbor compliance is critical for scaling partnerships How to create “golden handcuffs” that retain top-producing agents The difference between a gimmicky JV and a fully licensed, auditable entity What metrics Joseph looks for in potential brokerage or builder partners The logic behind owning vs. leasing commercial property for your business How Joseph structures seller-financed and owner-occupied real estate deals Why he believes wealth in real estate comes from holding for 10+ years, not flipping The leadership mindset that helped him scale 60+ entities without burnout Joseph also shares his personal journey from nearly becoming a cop to running multiple businesses across real estate, healthcare, and finance—all while staying focused through routines, hiring strategically, and delegating energy-draining tasks. If you're a real estate investor, broker-owner, or entrepreneur looking to grow a scalable, resilient business, this episode is packed with insights you won't hear anywhere else. Learn more about Joseph McCabe: The Surefire Group - https://www.thesurefiregroup.com/ Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/  

Nikki G isn't the type to say “I told you so.” Nevertheless, it was just one year ago when she was on the podcast, walking us through the evangelical vision behind Project 2025 and the looming theocratic dominionism of the far right. Now that the NAR agenda (see Ep.81) is coming to pass, she's back to regroup. Nikki & I discuss how to maintain sanity and balance under narcissistic rule, what it means to occupy our lane in the resistance, and why an understanding of cult dynamics is such a pragmatic consideration right now. We talk leadership, the intoxication of power, and standing arm-in-arm, steadfast and unwavering in our values, while leaders attempt to colonize our thinking and rob us of hope. This episode is a jam-packed dialogue offering support and a collectivist call to action.For more with Nikki, also see TDP Ep.77 + Ep.81 & 82.Nikki G. is a Certified Trauma Recovery Coach who helps survivors recover and thrive after Religious Trauma & Cult involvement. She is also a survivor of multiple narcissistic relationships, religious trauma, and several cultic communities. Nikki is the CEO of Nikki G Speaks LLC, which provides survivors with individual coaching, online community, and psychoeducation related to religious trauma, narcissistic abuse, and cult involvement. Nikki is a co-host of the podcast Surviving the Black Church, where she and her co-hosts delve into conversations regarding religious trauma in the Black Church. She is also the co-founder of The Black Religious Trauma Recovery Network, and she sits on the board of directors for Tears of Eden, a nonprofit that supports survivors who have experienced abuse in the evangelical community. nikkigspeaks.com | @nikki_g_speaksReferenced In This Episode:Project 2025 TrackerSupport the showThe stories and opinions shared in this episode are based on personal experience and are not intended to malign any individual, group, or organization.Join The Deeper Pulse at Patreon for weekly bonus episodes + other exclusive bonus content. Follow The Deeper Pulse on IG @thedeeperpulse + @candiceschutter for more regular updates.

This week, we're joined by special guests Darren Welsh & Rick Cenname to break down some big industry changes!

What is the New Apostolic Reformation (NAR)? And what does it have to do with conservative political power in the United States and abroad? Leah Payne and Caleb Maskell join Mark Labberton for a deep dive into the emergence and impact of the New Apostolic Reformation—a loosely affiliated global network blending Pentecostal Christian spirituality, charismatic authority, and political ambition. With their combined pastoral experience and scholarly expertise, Payne and Maskell chart the historical, theological, and sociopolitical roots of this Pentecostal movement—from Azusa Street and Latter Rain revivals to modern dominion theology and global evangelicalism. They distinguish the New Apostolic Reformation from the broader Pentecostal and charismatic traditions, and explore the popular appeal, theological complexity, and political volatility of the New Apostolic Reformation. Episode Highlights “Isn't this just conservative political activism with tongues and prophecy and dominion?” “At no point in time in the history of these United States … have Protestants not been interested in having a great deal of influence over public life.” “You can be super nationalistic in Guatemala, in Brazil, in India, and in the United States. … It is a portable form of nationalism.” “They are not moved by appeals to American democracy or American exceptionalism because they have in their mind the end times and the nation of Israel.” “Charismatics and Pentecostals, unlike other forms of American Protestantism … do not have a theological value for democracy.” Main Themes Pentecostalism's history and global influence Charismatic Christianity versus Pentecostalism Defining and explaining the New Apostolic Reformation (NAR) C. Peter Wagner, Lance Hall, and Seven Mountain Mandate Dominion theology, Christian nationalism, and the religious Right Pentecostals and Trump politics Zionism in charismatic theology Vineyard movement, worship music, and intimacy with God Linked Media References About Vineyard USA God Gave Rock and Roll to You: A History of Contemporary Christian Music by Leah Payne The New Apostolic Churches by C. Peter Wagner This Present Darkness by Frank Peretti Atlantic Article: “The Army of God Comes Out of the Shadows” by Stephanie McCrummen Bonhoeffer's America: A Land Without Reformation, by Joel Looper Another Gospel: Christian Nationalism and the Crisis of Evangelical Identity, by Joel Looper Show Notes Leah Payne defines Pentecostalism as “a form of American revivalism” William J. Seymour Marked by interracial desegregated worship and spiritual “fireworks” like tongues and prophecy Mystical experiences of God Desegregation and physically touching one another in acts of miraculous healing The Azusa Street Revival (1906) identified as a global catalyst for Assemblies of God denomination There is no founding theological figure, unlike Luther or Calvin Caleb Maskell emphasizes Pentecostalism's roots in “a founding set of experiences,” not a founding theological figure “Limits to what makes a church” Lack of ecclesiological clarity leaves Pentecostalism open to both renewal and fragmentation Leah highlights Pentecostalism as “a shared experience … a shared series of practices.” “Holy Rollers” and being “slain in the Spirit” “A different way of knowing” “Christians are made through an encounter with Jesus.” The global “charismatic movement” and how it has had cross-denominational Influence “Charismatic” was a mid-twentieth-century term for Spirit-led practices arising within mainline Protestant and Roman Catholic traditions Charismatic means “gifted” or “being given gifts” “‘Charismatic' has typically been a more inclusive word than ‘Pentecostal.'” Emphasis on personal spiritual gifts and intimate worship styles “They are not respecters of institutions.” Figures like Oral Roberts and Amy Semple McPherson were “too big” for denominational constraints “Too-bigness” as driven by both an over-inflated ego and spiritual mysticism Frederick Buechner: “The place God calls you to is the place where your deep gladness and the world's deep hunger meet.” Spellbound, by Molly Worthen (see Conversing episode 212) What are the origins and key ideas of the New Apostolic Reformation (NAR)? New Apostolic Reformation: “a form of institutionalized charismatic identity that builds on grassroots consensus.” “NAR” coined by C. Peter Wagner at Fuller Seminary in the 1990s Wagner promoted post-denominationalism and “reality-based” church governance centred on individual charismatic gifts Emerged from a “larger soup” of charismatic ideas—often practiced before being systematized. Closely tied to the “Seven Mountain Mandate”: that Christians should influence key societal sectors—family, religion, education, media, entertainment, business, and government The role of dominion theology and political alignment “The convergence of egos, the convergence of ethos … is a natural thing to see emerging.” “Dominion is really just two or three logical steps from an obsession with cultural relevance.” Payne sees dominionism as a Pentecostal-flavoured version of a broader conservative political strategy. “Charismatics and Pentecostals are everywhere … so we should expect them on the far right.” Many deny the NAR label even as they operate in its mode. ”When Bob Dylan's in your church, suddenly your church is relevant, whether you like it or not.” Defining “Dominionism” “Dominion is really just two or three logical steps from an obsession with cultural relevance. Cultural relevance says church should fit—not prophetically, but should fit all but seamlessly—into modes of culture that people are already in.” What are the “Seven Mountains of Culture”?  Family, religion, education, media, entertainment, business, and government—”the world would go better if Christians were in charge of each of those arenas.” “At no point in time in the history of these United States and the history of European settlers in the new world have Protestants not been interested in having a great deal of influence over public life.” Trump, Zionism, and global Pentecostal nationalism Christian nationalism versus religious Right “They are not moved by appeals to American democracy. … They think the nation of Israel is the nation of all nations.” “Isn't this just conservative political activism with tongues and prophecy and dominion?” Anti-institutional and anti-structural How Trump seeks power and ego affirmation Christian theocratic rule? ”It may simply be a part of what it is to be a Christian is to say, at some level, within the spheres that I'm given authority in, I ought to have the right kind of influence, whatever it is.” “ I think what's scary about the moment that we're in right now is in fact the chaos.” A book about Donald Trump—God's Chaos Candidate, by Lance Wall ”The beliefs in divine prophecy are so widespread that they transcend partisanship.” Black Pentecostalism: immune to the charms of Trump and populist conservatives Trump's Zionist overtures strategically captured charismatic loyalty The rise of global Pentecostal nationalism in countries like India, Brazil, and Guatemala parallels US patterns. “They don't actually care long-term about American democracy.” “They are not moved by appeals to American democracy or American exceptionalism because they have in their mind the end times and the nation of Israel.” Prosperity gospel Dominionism and the Roman Catholic “doctrine of discovery” The gospel of Christ as “sorting power” “It is a portable form of nationalism.” Concerns about power, order, and eschatology Mark Labberton reflects on Fuller Seminary's controversial role in NAR's intellectual development. Payne critiques the equation of widespread Pentecostal practices with far-right dominionism. “What's scary … is the chaos. And a number of people associated with NAR have celebrated that.” NAR theology often prioritizes divine chaos over institutional order. Warnings against super-biblical apostolic authority and spiritual authoritarianism. Pentecostalism beyond politics “There's a vivid essentialism—make everything great and all the nations will gather.” Vineyard worship as a counterweight to dominionism—emphasizing intimacy and mystical union with Christ. “That emphasis on Jesus as a friend … is a really beautiful image of God.” Vineyard music helped export a gentle, intimate charismatic spirituality. About Leah Payne Leah Payne is associate professor of American religious history at Portland Seminary and a 2023–2024 public fellow at the Public Religion Research Institute (PRRI). She holds a PhD from Vanderbilt University, and her research explores the intersection of religion, politics, and popular culture. Payne is author of God Gave Rock and Roll to You: a History of Contemporary Christian Music (Oxford University Press, 2024), and co-host of Rock That Doesn't Roll, a Public Radio Exchange (PRX) podcast about Christian rock and its listeners, and Weird Religion, a religion and pop culture podcast. Her writing and research has appeared in The Washington Post, NBC News, Religion News Service, and Christianity Today. About Caleb Maskell Caleb Maskell is the associate national director of theology and education for Vineyard USA. Born in London, he immigrated with his family to New Jersey in 1986, at the age of nine. Caleb has been involved in leadership in the Vineyard movement for twenty-five years. After spending a gap year at the Toronto Airport Vineyard School of Ministry in 1995, he went to the University of Chicago to study theology, philosophy, and literature in the interdisciplinary undergraduate Fundamentals program. While there, he joined the core planting team of the Hyde Park Vineyard Church, where he served as a worship leader, a small group leader, a setter-up of chairs, and whatever else Rand Tucker asked him to do. After college, full of questions that had emerged from the beautiful collision of serious academic study and the practical realities of church planting, Caleb enrolled in the MDiv program at Yale Divinity School. For four years, he immersed himself in the study of theology, church history, and Scripture, while also leading worship and working with middle school and high school youth groups. After graduating in 2004, he worked for three years as the associate director of the Jonathan Edwards Center at Yale University. In 2007, along with his wife Kathy and their friends Matt and Hannah Croasmun, Caleb planted Elm City Vineyard Church in New Haven, Connecticut. That year, he also began a PhD program at Princeton University, focusing on the history of American religion, with an additional emphasis in African American studies. After moving to Manhattan for four years while Kathy went to seminary, the Maskells ended up in suburban Philadelphia, where Caleb completed his PhD while teaching regularly at Princeton Theological Seminary, and serving as the worship pastor at Blue Route Vineyard Church. Since 2010, Caleb has led the Society of Vineyard Scholars, which exists to foster and sustain a community of theological discourse in and for the Vineyard movement. Caleb is passionate about developing leaders and institutions that will help to produce a healthy, courageous, and hospitable future for the church in the twenty-first century. Caleb and Kathy now live with their two kids, Josiah and Emmanuelle, in the heart of Denver, where Kathy pastors East Denver Vineyard Church. Production Credits Conversing is produced and distributed in partnership with Comment magazine and Fuller Seminary.

In this riveting episode of Right On Radio, host Jeff Uncovers the Spiritual and Political Tensions Paving the Way for the New World Order Jeff then delves into complex and controversial topics surrounding the spiritual and political landscapes shaping today's world. He explores the Donald Trump administration, examining its connections to the New Apostolic Reformation (NAR) and its implications on global politics and religion. The episode touches on the controversial seven-mountain mandate promoted by NAR adherents, which seeks to influence seven key sectors of society: education, religion, family, business, government and military, arts and entertainment, and media. Listeners are introduced to Project Esther and Trump's executive orders aimed at combating anti-Semitism while simultaneously dissecting those same policies and their broader implications. Using in-depth analysis, Jeff questions the narratives around Zionism and the influence of Ashkenazi Jews in global politics, sparking debate on the slippery slope of religious and cultural biases institutionalized in government policies. As Jeff narrates, the episode weaves in discussions on ancient mystery religions like Kabbalah and their modern ties, offering insights into the esoteric knowledge claims entwined in contemporary theological shifts. He uncovers the hidden names and history of Israeli leaders and challenges listeners with theoretical yet thought-provoking considerations about global conspiracies and unfolding biblical prophecies. Prepare for twists as Jeff ties these themes to the book of Revelation, suggesting that the prophecies detail the current and future alignment of global powers, possibly hinting at who might have significant roles in this world theater and how the shadowy manoeuvres behind the scenes could affect everyone's reality. Concluding with a call to deepen one's own faith and understanding, listeners are encouraged to stay informed and emotionally resilient amidst this complex and dynamic global environment. Thank you for Listening to Right on Radio. https://linktr.ee/RightonRadio Prayerfully consider supporting Right on Radio. Click Here for all links, Right on Community ROC, Podcast web links, Freebies, Products (healing mushrooms, EMP Protection) Social media, courses and more... https://linktr.ee/RightonRadio Live Right in the Real World! We talk God and Politics, Faith Based Broadcast News, views, Opinions and Attitudes We are Your News Now. Keep the Faith

Discover powerful strategies to maximize your rental property returns and minimize costly vacancies. Learn how top investors are transforming their approach to property management, from tenant retention techniques to smart staffing solutions. Key Insights: Master the art of keeping great tenants and reducing turnover Understand when to scale your property management approach Explore innovative investment opportunities beyond traditional real estate Market Trends Spotlight: Rental demand is on the rise Emerging investment options offer unique wealth-building potential Strategic diversification is key to long-term financial success Explore alternative investment opportunities like sustainable teak forestry - a generational wealth strategy that offers: Low entry point Long-term growth potential International diversification Whether you're a seasoned investor or just starting out, these insights will help you make more informed, profitable real estate decisions. Resources: Learn more about the teak tree investment opportunity at Gremarketplace.com/teak Show Notes: GetRichEducation.com/555 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, learn how to reduce a giant operational expense that you'll have over time your tenant vacancy and turnover, including how many units you must own before you hire your own on site property manager as your employee. Whatever happened to agent commissions in light of last year's NAR settlement, then a timely update on teak tree investing today on Get Rich Education.   Mid South home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated their zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Welcome to GRE from Manchester, New Hampshire to Manchester, England and across 188 nations worldwide, I'm Keith Weinhold, and you are back inside one of America's longest running and most listened to shows on real estate investing. This is get rich education. What's all that stuff really mean? I'm just another slack jawed and snaggletooth podcaster, a shaved mammal with a microphone. I'm joining you from here in London, England this week for the first time ever on the show. More on that later. Let's talk about reducing the biggest operational expense that you're ever going to have as a real estate investor, at least the one that you can exert a good measure of control over. That is reducing your tenant vacancy and turnover, that constant menace. Now, I suppose you might say that property tax is your biggest ongoing ops expense, but you've got less control over your property tax rate. So yeah, we're talking about increasing your net income by lowering your VIMTUM operating expenses. Vacancy is the V in that acronym. This is big because this can make or break your ability to have your property create positive cash flow and getting tenant turnover right both increases your income and reduces your expenses. It is springtime currently, and it's soon going to be summer, so it is the right time to talk about this. It's when there is more tenant turnover. The goal here is for you to really move the dial in increase the likelihood that your tenant is going to renew their lease. Now, sure if your tenant gets a new job out of town, they're going to move out. But if they're moving because of too many maintenance issues, well then that's something that you could have fixed. The average tenancy duration in the US over time is two to three years. And of course, that's going to be longer in single family rentals and shorter in apartments. And how long your tenant stays is driven by three factors, the price of your unit, the quality of your maintenance and the quality of your management. Let's say that your tenant moves out. To be conservative, that your vacancy period is two months between tenants. Okay, that's the turnover and the time to lease. It two months is a somewhat longish vacancy period. But come on, it happens sometimes, especially if you're going to make upgrades between tenancies and you're busy with other things in your life, if you have a move out every year at that rate, well, that is too often. That would amount. To a vacancy percentage of 14% you might think it's 17% but it isn't, because it's a 12 month vacancy plus two vacant months, all right, but if instead that tenant moves out every two years, that's just 8% vacancy, and every three years that's just 5% vacancy. Of course, if you keep your vacancy period to only one month rather than two, you can have all those numbers. You can really see how you are increasing your income by retaining the tenant. The most vital thing for you to keep in mind is that fast quality maintenance and good communication are by far the best forms of customer service that a property manager can provide, so prompt, quality maintenance. That's a retention strategy. Being a proactive helps. One strategy you can engage in is to reach out to the tenants two months before their lease is set to renew, and that's the time to give them the new lease price and ask them if they intend to stay. If they say, No, they're not, ask them why. And occasionally, you can sway them if there's been a misunderstanding in your relationship, for example, a lingering maintenance issue that hasn't been addressed, and perhaps they didn't bother to contact you about that, if nothing else, I think I mentioned this to you one time before offering a small reward, like a gift card helps. I mean, creating this sense of reciprocation is really one of the best retention tactics out there, even if the items being reciprocated aren't anywhere near equal value, like the value of a 12 month lease versus you giving them, say, a $50 gift card now, say you've tried those strategies, and none of that works, and your tenant does decide to leave, perhaps 45 days from now, but you know that you've got time in your life to turn over the unit now, and You know that you're going to be really busy with other things in 45 days. One thing that you can do then is shift your strategy to pay the tenant. Say you can pay them as little as 10 or 20 bucks a day to leave early. This way they'll vacate during a period where you've got the time to devote to the vacancy and the turnover and the showings to prospective new tenants, and that way, it's not going to linger vacant as long now, a technique like this is a little similar to an eviction, where if a tenant has violated their lease or becomes non paying, without you having to go through the length of Your court driven formal eviction process, you can pay them a lump sum to leave early. Hopefully that's not your situation, but that can come up. And I think you've heard of it before. This is known as the Cash for Keys strategy. That means to get a tenant that's made some violation against their lease, and you want to have them vacate the unit sooner. This means that you get the keys in your hand and the right to enter when you pay them to leave, rather than having to go through the not so fun eviction process and see a tenant wants to avoid a formal eviction as well, because that goes on their record, and then it can make it tough for that tenant to get rental housing elsewhere. But I dislike the Cash for Keys strategy in order to hold off from a formal eviction, because what that does is that rewards a person that violated a lease, although we know that that might also shorten your economic vacancy period, and it could actually be economically beneficial to you, Cash for Keys. It's just not ethical, though. I know it might be tempting for you, the landlord, the cash for key strategy. It rewards societally immoral behavior. Now, of course, you might be using a professional property manager that does all of this stuff for you, like I do today, but still, these are often the best practices for your manager. And I started out self managing, just like a lot of real estate investors do in the beginning, and that's where I learned strategies and techniques like this for reducing your tenant vacancy and turnover. Now, here's a really interesting question that you may not have had to ask yourself yet, but you may down the road, if you've grown your portfolio to a certain size and you're serious about reducing your vacancy and turnover expense, it might be time to ask yourself one big question, and that is for your management and maintenance. Should you use contractors, or should you start to hire your own employees? Now, if you have a small portfolio, it won't be enough work for you to keep an employee busy, so you should go with contract. Contractors. On the other hand, if you have an apartment complex with on site property management, I would definitely recommend having a make ready crew on site, because it's just so easy for them to get to and from a job site. Now, you should still maintain relationships with contractors as a backup, of course, and you should also have specialists like plumbers, electricians and HVAC people ready to call now, most investors are small and they use off site management, but if you grow big enough someday, or maybe it's two day, the important point about employees is that you really need to stay on them, because every extra hour costs you. You don't want anyone out there who's thinking that speed isn't essential, because they're like, ah, you know, I get paid by the hour. Contractors, on the other hand, they quote you or your manager a job up front. So while an extra day hurts because it's one more day you can't lease the unit, it hurts less than it does if you have your own employees. One problem with contractors is they often can't start right away, and this tends to be more true if you're self managing. See if you use a professional manager. They might have their own in house people so you can leverage their employees without having to manage employees yourself, even if your manager brings in an off site contractor, like an electrician or a plumber. Well, that contractor probably gets a lot of business from your property manager, and they have some sense of loyalty to your property manager, therefore, they're incentivized to show up on time faster than if you're trying to self manage, say, your small portfolio of five properties, and you or your tenant are the ones that call the electrician or the plumber. Well, those contractors are going to be less likely to prioritize you and your infrequent requests, and this is just another reason that I like to employ professional management and not self manage. Now, virtually no new real estate investor is going to hire their own employees, and most are never going to at all. All right, but how do you know? How would you know when it's time to hire your own property manager or your own contractor, and have them on your own payroll and you are their boss, if you've got under 20 to 30 units, all right, typically third party property management or self management with contractors, that's going to make more sense, because having a full time, dedicated employee, it's just not financially justifiable. Below 20 or 30 units, you're not going to be able to keep that employee busy. And I'm generally talking about if you have one apartment building here, or a bunch of single family rentals, only if they're in small, close proximity to each other. What about if you grow up to 30 to 60 units? All right now you're in a gray area. If the property is something that's pretty management intensive, like high turnover, or you own an older building, or you generate a lot of work orders, or you're in a challenging area. Well, at 30 to 60 units, you might justify a part time on site person. So how that could practically work in this 30 to 60 unit gray area, what you can do is have a resident manager that gets free rent, plus perhaps a small stipend from you. Okay, so that's a strategy that you can play in this gray area zone. That way they can be responsive to tenant requests, and you can keep your vacancy and turnover costs down. All right, how about when you're going even bigger and you reach 60 to 100 units. Now you're in the range where a full time on site manager or a maintenance person, starts to make financial and operational sense, because here it's 60 to 100 units. Your staffing model, it might be that you have one full time manager, they do the leasing, the tenant relations, in the admin stuff, and you'll also have a second person, a full time maintenance tech if they're needed, all right? And the final tier here, if you reach more than 100 units, oh, okay, now it is standard for you to have a full on site team. You could be in the hundreds of units. So we're talking about a property manager, a leasing agent, a maintenance lead, a groundskeeper and sometimes also a part time assistant manager. So that's it. That's the hierarchy of how, based on your portfolio size and where they're located, how you can serve tenants well and reduce your vacancy and turnover expense. Yes. All right now, what are some things that can shift those thresholds, those unit counts? Well, high rent or luxury buildings, they often need on site staff at a smaller unit count, very low rent or section eight properties, they may need more intensive oversight, buildings that have amenities, like some of these newer apartment buildings that have a pool and a gym, okay, that can trigger some more staffing needs. And if you own multiple properties that are nearby to each other, well, then you can share employees across those properties. And you've got to look at local labor costs in places like New York City, northeastern New Jersey, parts of New England, Miami or LA, those high cost places. Then breaking even on staffing. That probably takes a bigger property than those numbers that I talked about. But here, we tend to invest in those investor advantage areas, the inland northeast, the South, in the southeast, in the Midwest. Now, if you've got, say, even 50 smaller properties, but they're scattered all over the place, in multiple states, well then of course, you're not going to hire employees. A good general metric to leave you with here is that one on site employee for every 50 to 80 units that you own in the same area, that is common, that is a common industry practice in market rate multifamily apartments right now, these are pretty timeless strategies I've been talking about with you here.    As for what's happening in The market lately, I continue to slowly get more optimistic about the long beleaguered apartment market. A few weeks ago, I talked about how there's finally been greater apartment rent increases, although those rent increases are still historically low. What recently we learned that apartments are seeing a longer duration of tenancy and today, per real page, every single one of the 50 largest apartment markets has posted month over month occupancy gains, and then that's somewhat commensurate with what we're seeing on the one to four unit side, because the home ownership rate has fallen. It just fell from 65.7% down to 65.1 quarter over quarter. Now that doesn't sound like much, but that's actually a substantial drop in the home ownership rate in just one quarter. And fewer homeowners means more renters. So this basically means that the percent of Americans, renting has gone up because you just take the flip side of those numbers. So the rentership rate has essentially risen from 34.3 up to 34.9 in just one quarter. Something that completely makes sense, because we all know that home ownership affordability, especially for that first time, home buyer is lower, more renters. Is good for rental property owners. It's bringing more rental demand, more occupancy and more future pressure on rising rents. Now I want to follow up with you on a story from last year that made a lot of waves in the larger real estate world, but not so much for real estate investors. You surely remember this. That is the NAR settlement that a lot of people thought would result in lower real estate agent fees. Lowered commissions were coming. That's what everybody thought last year. Stories about that were all over the place that realtor fees are about to shrink. What's happened since then? Well, not much realtor fees, they still haven't fallen in any significant way, although the settlement was more than a year ago and this went into effect nine months ago. So to back up for a moment, in case you missed it, what happened is that a group of sellers accused the NAR, the National Association of Realtors, of inflating home costs by letting buyer side and seller side agents communicate about commission rates on the MLS home database, which only agents can see. And a jury agreed, so the NAR settled the lawsuit for over $400 million in damages, and it barred agents from sharing commission rates on those MLS databases. So that was a huge change that was expected to extinguish the globally high five to 6% realtor fee in the United States, because global averages are between one and 3% so as a result, the US real estate industry, they were bracing themselves for up to a 30% drop in the commissions that Americans pay annually in fees. But the new rules. Things have been nothing other than a big nothing burger. It only took a matter of weeks, really, for most agents to realize, you know, what did the agents do? They just simply moved their conversations off the NAR website and over to phone, text and email. That's it. Yes, that's all they did. So since that time, the average commission for buyers agents has barely budged. It ticked down less than 110 of 1% so for example, it ticked down less than 500 bucks on a 500k home that's per Redfin. So agents still expect sellers to pay five to 6% now I'm not against agents. Not only can an agent guide you through the process, what they can do is get you a higher sale price than they could have otherwise, because they really know how to market and advertise your property and reach a greater pool of buyers, but their commission rates have hardly budged. And of course, here at GRE marketplace, we typically use a direct model where agent compensation isn't priced into your properties anyway.    To review what you've learned so far today, being proactive can help reduce your tenant vacancy and turnover expense and increase your income. Prompt, quality maintenance, that is a retention strategy in itself, as can having one on site employee for every 50 to 80 apartment units. And one year later, changes at the NIR really haven't reduced aging commissions appreciably. I'm coming to you from London, England today, taking in all the top sites, Buckingham Palace and watching the changing of the guard over there, Big Ben a Thames river cruise and the London Bridge, which is actually called Tower Bridge. The real estate transaction that I'm currently involved in here is paying $550 a night to stay here at a nice hotel in the center of the city. It's right near the Thames, kind of a steep rate, and I sure didn't have to stay right in the city center, where everything is more pricey. But that's the experience that I want to have. Next week, I'll bring you the show from Edinburgh, Scotland, where I'll be paying even more for a well located hotel right on the Royal Mile, and I'll tell you how much more then I am here to boost their economies, I suppose more next, including a really timely update. I'm Keith Weinhold. You're listening to Episode 555, of get rich education.    The same place where I get my own mortgage loans is where you can get yours Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Tom Wheelwright  24:21   this is Rich Dad advisor, Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  24:37   Welcome back to Episode 555, of get rich Education. I'm your host, Keith Weinhold, with an episode number like 555, you would expect me to go deep with you on real estate pays five ways, but we did that five weeks ago on episode 550 with your audio masterclass right here on the show today, we're talking about something with less upside. Than say that or the inflation triple crown, and instead on reducing your downside, vacancy and turnover expense, next week here on the show, I expect to sit down with a guest that's a highly regarded financier and author of a fairly hot new finance book, Christopher Whelan, and next week's show could get really interesting, because I've heard Chris say something about how real estate prices could fall back to 2020 levels. In my opinion, that is so many levels of unlikely that happening is about as likely as your grocery bills falling back to 2020 levels. So we'll see it could turn into a debate next week with Christopher Whelan and I. He is a sharp, well informed guy that also used to work at the New York Fed. That's next week down the road, longtime and former co host of the real estate guys radio show, Russell gray will join us again here, and we'll see what he's been up to in his post real estate guys, radio life that's coming up in a few weeks. Lots of great future content here, monologs, yes, those slack jawed monologs For me, repeat guests and new guests joining in as well. Back to this week now, there's an intriguing and potentially lucrative investment that we've discussed on the show here before, and I do have a timely and crucial update about it. A little while back, I sat down with the teak operations principle when we were in New Orleans together. These are yes, those Panama teak tree plantations that so many of you have already invested in. Yes. So as it is here. I am an American in London today talking about teak trees in Panama and I interviewed our upcoming guest here when we were in New Orleans together, the teak investment has a long time horizon, because trees have to grow. There's also a low cost of entry and no loans available. This is a real estate investment. You can own the land with the title to it and the trees that grow on top of them. Historically, teak returns have been five and a half percent, which doesn't sound like much, but see it grows in board foot volume at the same time that the unit price grows. And if inflation runs high over the next 25 years, your return might be higher. But the reason that we're discussing this now is because the principal, Mike Cobb here meeting with me, he is going to mention a price, and this is key two weeks from today, on June 9, the price for the teak parcels increases substantially. I'll tell you about that shortly. So for GRE followers, you can get locked into the lower price for just two more weeks. Here's my chat from a little while back with the teak tree investment principle, and then I'll return to bring you more.    Hey, did you know that you can own a quarter acre parcel of a producing teak plantation, you own the title to the land, and you get the growth in the trees. On top of that, this is something that you can do as an investor. And teak trees are a valuable hardwood that you own, typically in Central America. So there's a very low cost of entry to this investment, and that's what attracts a lot of people to it. And I am with Mike Cobb, the CEO. He's also the author of the new book how to buy your home overseas and get it right the first time. But Mike, a lot of people are interested in the teak investment because it is so approachable. Tell us about it. Give us a general overview.   Mike Cobb  28:42   absolutely, you know, thanks for having me on. It's always nice to be with you. We're, we're having some fun here in New Orleans, which is terrific, you know, yeah, the teak plantation is something that I envisioned back in 1998 so what's that like 26 years ago? Right? And in 1999 we planted our very first 100 Acre teak plantation. Because what we thought about at the time, which has now proven true 25 years later, is that, you know, I was either going to need the money in 25 years and be really glad I did this, or I wasn't going to need the money in 25 years and I was going to be really glad I did this. You know what? I don't really need the money now, but I'm really glad I did this. And 25 years comes. And I think that's been really the challenge for a lot of people looking at teak. They're just like, ah, 25 years. It's too long, but 25 years comes. 25 years will come, and you can either have planted the trees and be ready to take this huge windfall of return, or you won't be getting a windfall return. So I think that's the challenge, the mental challenge, I think maybe an average investor has, but I know you work with superior investors because they're paying attention to what you're writing, they're watching your podcast, they're reading your newsletter. You have far superior investors than I would say, the average investor. So I think this is a great thing for folks to check out.   Keith Weinhold  30:00   All right, so you're talking about the investment timeline, from the time a tea tree seed is planted until the harvest time that can feel like quite a while. You have been doing this over 25 years, and that is key when you as an investor go offshore or go overseas to have trust in a stable company that's been around for a long time. That's why, really, you're one of the few people that I work with who are outside of the United States real estate like the teak trees.   Mike Cobb  30:25   Thank you. Yeah, we've been around for 31 years. I've been working in the region. 31 our development company is 28 years old. Our plantation is now 26 years old. 25 with the trees, but we bought the land 26 years ago. But the bottom line, you're right and and the other thing that we should care about. And you brought this up earlier, when we're kind of chatting, is country, what country are you planting trees in that you got to wait 25 years for them to mature and harvest? By the way, the Panama. By the way, Panama, and of all the countries in the region where I feel the most comfortable as an investor, Panama's yet, because Panama's got the canal. And I know people say, oh, yeah, that's right. It's a vital strategic US interest. It's a vital world interest. The Chinese care about it as much as we do. The Europeans care about it. Anybody who wants commerce to happen cares about that canal being open. And so you've got this country, Panama, that has the canal stable, economically stable, politically stable. And when starting to talk about 2550 7500, year time frames, because you own the land, you get the harvest in 25 years, you replant, and then your children get the next harvest, and your grandchildren get the next harvest. It is truly generational wealth. Stewardship   Keith Weinhold  31:41   Panama is a little bit like investing overseas with training wheels on their well developed, first Central American nation. They even use the United States dollars. They do is that familiar? Absolutely well. But as the investors thinking about investing in teak plantations, just tell us about the properties of teak wood, of all wood types. Why teak? Tell us about the value there.    Mike Cobb  32:00   Yeah, teak has been grown in plantations, starting with the British back about 400 years ago. And so you've got centuries of plantation growing of teak as a crop, right? And so you've got this incredible longevity of information and things like that. And I know some of the stats off the top of my head, since 1972 the average price of teak lumber has has risen about five and a half percent a year over a 52 year period. Talk about track record, centuries of growing as a crop, right? 52 years as a lumber commodity. Look, people been using it to make ships. Its hardness is its most valuable characteristic is an extremely hard wood. It's resistant to rot fungus, so it's used in outdoor furniture, for example, right? Some of the stuff on the Titanic they pulled up from the bottom of the ocean, you know, chairs made a teak, right? Teak. But ship builders fine furniture, outdoor furniture and and they're cutting teak down. This is so important, they are cutting teak down eight to 10 times faster than anybody in the world is replanting it. So just imagine what that does to supply and demand and prices based on just basic economics, right?   Keith Weinhold  33:13   Yeah, that is some scarcity. That is a really good point. Tell us about what you're surely interested in. What do the investor returns look like.   Mike Cobb  33:21   Yeah. So you know, to own one of these quarter acre parcels, by the way, you said it before you own the land, you get title to the land you own the trees. $6,880 that's your that's your entry. Gosh. So for less than $7,000 you own a quarter acre of teeth trees that in 25 years projected returns. We all projections right about $94,000 a little over $94,000 so 7000 turns into $90,000 over 25 years, harvest, plant the trees again, and in 25 years, your kids or your grandkids will get the next harvest, and so on and so on. It is a powerful generational wealth stewardship. In fact, right now we have what we call give the gift of teak because look, you know, you got kids, you got grandkids. What are you gonna get them? Right? I mean, they got everything they want, presumably, right? You buy them a teak parcel, right? Buy that kid, buy that grandkid, a teak parcel. What a cool idea. Oh my gosh, in 25 years, you might be gone, right, but they're gonna get this big windfall, and they're gonna thank grandma or grandpa, right for for thinking of them 25 years into the future?   Keith Weinhold  34:27   Yeah? Oh, I love that. And you're so proud about what you do. You regularly offer investor tour so that they come and see the teak. But maybe you know, for you, the investor, you're wondering, okay, if you're used to investing in us real estate, you might be making two leaps here. You'd be going from residential real estate to agricultural, and you'd also be investing in a nation outside your home country. And when it comes to those sort of questions, I think any savvy investor asks, okay, what are the risks involved with this investment? Can you tell us about that?   Mike Cobb  34:59   Yeah, sure. Look, you've got political risk, country risk, political risk, which, I think again, of all the countries in the region, Panama, dollar, economy, canal, safe, stable. So the political risk is minimal. It's there. It's real. You know, fire risk is an issue, right? Trees burn. The good thing about teak is that after about year three, they're up. And you keep them trimmed, trim all the low branches off. So fire risk really drops incredibly low after about year three or four. But ultimately, it's about professional management. We have a company called Heyo Forrestal that we hired 25 years ago, 26 years ago, actually, to help us find the land, do the analysis of the land, make sure it was good for teak. And when you hire professionals, you get professional results. I mean, we stayed with this company for 26 years now, and the guy that we met early on, a little forestry engineer, is now General Manager and partner in the business. So we've watched that business grow up alongside ours at the same time. Those relationships, you know, Dolly Parton and Kenny Rogers have a song you can't make old friends. So here we are with Jacobo and some of the Luis that we've worked with for, you know, 26 years, and the relationships matter, especially in that part of the world, but professionalism and professional management is the key, and you have that alongside the relationships. Both are important.   Keith Weinhold  36:20   yes. So we're talking about how the property manager is such an important part of your team, and you think about your single family homes or your apartment buildings. And Mike here is talking about the importance of professional management, because teak trees need a little management and pruning, and sometimes there are thinnings which can give you some income so that you don't have to wait 25 years. Correct another way in which you might not have to wait 25 years for the full harvest cycle is at times you can buy trees that are, say, already seven years old, so you can only be waiting 18 years, or that are teens, so you might only be waiting 10 years, or some things about that, those are some of the options. But Mike, before I ask you if you have any last word, if you want to learn more about this, get some information, learn more about it, and learn how to connect with Mike's team. He is one of our GRE marketplace providers, and he's the owner of that company. You can do that at gre marketplace.com/teak, any last thing someone should know about teak before they consider investing? Mike?    Mike Cobb  37:16   Yeah, well, two things you mentioned the tour. So we do run discovery tours. We have one coming up in January, end of January, two days, we go out to the plantation, the teenage teat plantation, by the way, oak, which is eight or nine more years to harvest. Then we're going to the sawmill, because all of our logs go through a sawmill to convert to lumber, which enhances the return to the investor.    Keith Weinhold  37:36   Do the teens sleep until noon? Or can we visit them   Mike Cobb  37:38   and then they're on their phones all day If we're gonna go visit them. We'll wake them up and, like, get on their phones. But here's, here's the last parting word. I think it's scary for a lot of people. It is scary. You're going overseas, you're outside of, you know, residential you're going into a new industry. You're going to a new country. The reason this works for so many people, over 1000 now, have done this, is it's such a small bite, $7,000 and if that's maybe one or 2% of your portfolio, what I hate to say, put it on the table and roll the dice, but you'll be happy you did. I'm happy I did. It's a small bite, but that international diversification is so important. And then you put it in something that's absolutely not correlated to the market. It's not correlated to us real estate. I mean, in 2008 to 2012 when real estate was dying in the US, our trees just kept growing. So non correlated, non US, right? And non residential. I think that's the reason you want to take a little tiny piece of your portfolio and put it overseas in something like teak.    Keith Weinhold  38:42   We know over the long term that it has grown in value 5.5% a year, but at the same time, it grows in volume, in the amount of board fees you're getting a crease, an increase in both unit value and volume. It's really growing a couple ways. At the same time, you've had over 1000 different individual investors invest in the teak now, several dozen, maybe even more than 100 of those have been you the get rich education follower. So again, thanks for joining me, Mike. If you want to learn more, start at gre marketplace.com/teak. I'm Keith Weinhold. I'll see you next time.    Yeah, good information from Mike there again for GRE followers, that 6880 price deadline is Monday, June 9, and then it goes to 8680, that is a 26% price increase, and this is because land and planting costs have skyrocketed. And you know, I have long wondered about when they were going to change that same lower price that they've had for a lot of years. The provider recently added a sawmill to convert logs to lumber, and that enhances investment returns. So when you inquire for more info, you can ask about that, and that could very well put them above the 94k per part. Possible projected payout. Teak, hardwood, it just has some amazing physical properties. It's not your run of the mill. Backyard. Maple, it is a real asset. Think of it as a forest that fights back against Fiat and the provider reputation and continuity are almost impeccable. They've even had the same forestry manager, yeah, sort of like a property manager for trees, because trees take things like prunings and thinnings, the same manager for all 26 years of the teak operation. In the future, I might join one of their teak investor tours in Panama, and if I do, I'll be sure to let you know so that we can meet up that might even be a GRE exclusive tour. What you really need to know now is that, again, the lower price is good until Monday, June 9, to get started or simply learn more, visit gre marketplace.com/teak, that's t, e, a, k, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:10   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:34   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter. You also get my one hour fast real estate video. Of course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, GRE to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

We're diving into the real reasons the Portland real estate market feels stuck, and spoiler alert, it's not just interest rates or a lack of buyers. In this episode, Steve Nassar and Joe Fistolo of the Portland Real Estate Podcast tackle the state of the market as of May 21st, 2025, revealing the hidden forces at play and what it means for you. Steve and Joe break down why certain segments are struggling more than others (we're looking at you, downtown condos!), and the surprising factors driving high-income earners out of Multnomah County. From the impact of "cash for keys" and tax burdens to the complexities of HOA issues and insurance woes, they share practical insights on why the market has been a story of "fits and starts" for the past three years.  You'll hear about the SDC moratorium and why it's not enough to solve the core housing crisis, and how subtle shifts in buyer behavior are creating a nervous, indecisive environment. This episode is about clarity, strategy, and understanding the nuances of a challenging market.  If you're serious about navigating Portland's real estate landscape, this conversation is your next move. Listen in for a real, relatable, and energizing discussion on what it takes to thrive in today's unpredictable market.   Key Takeaways The Q1 and early Q2 real estate market was weak due to economic volatility, 7% interest rates, and increased inventory. The detached home market saw brief improvement, but condos and townhomes continue to struggle with high HOA fees and insurance issues. The market has experienced "fits and starts" for the past three years, with a particularly slow spring season. Buyers are nervous, making and quickly retracting offers due to economic uncertainty and news. Multnomah County's high-end market has lower appreciation due to high property and other taxes. A three-year SDC moratorium in Multnomah County is seen as insufficient to address core housing development issues. Multnomah County's "cash for keys" tenant rights make it unattractive for rental property investors. Realtors should strongly recommend buyers hire an HOA consultant to review HOA documents. Insurance companies are scrutinizing homeownership details, leading to denied coverage for certain piping types. NAR commission changes have had little negative impact on agents, but have reduced buyer spontaneity. In the current market, price reductions are more effective than concessions for attracting buyers. AI tools like ChatGPT can help tighten listing remarks but aren't a magical solution for poor performance.   Connect with Joe Soldera Properties Joe on LinkedIn   Connect with Steve Steve's Team at Premiere Property Group Steve on LinkedIn   Listen to The Portland Real Estate Podcast on: Apple Podcasts | Spotify  

This week we have part two of our interview with Laura the creator behind the fantastic Magical Mystery Church YT Channel. Laura goes over her research into how the New Age, Occult, and Doctrines of Demons have infested the Christian Church. She touches on NAR, Latter Rain, William Branham, Paula White and many, many more. Don't forget to check out part one if you haven't yet! Cheers and Blessings.   Please Check Out Magical Mystery Church On YouTube http://www.youtube.com/@magicalmysterychurch3424Support My Work https://www.patreon.com/theoddmanoutBuy Me A Coffee!  https://buymeacoffee.com/theoddmanoutVenmo Tips - @theoddmanoutCash App Tips - https://cash.app/$theoddmanoutT-shirts, Mugs and Stickers At Spring See Link For Discount - https://theoddmanout.creator-spring.com/Links https://linktr.ee/_theoddmanout 

Have you ever heard the term New Apostolic Reformation or NAR? Over the last 20 years or so, it has become the predominant form of false doctrine in Protestant American evangelicalism, and you've probably encountered it in some way, even if you don't know what it's called. Today, we’re taking a look at the NAR’s […]

What is a worldview, and how does it shape everything you believe and do? This week, Dr. Brady Blevins, Senior Apologist at Watchman Fellowship, joins Frank to talk about his brand new course, 'Conversations with the Faiths: Worldviews', which explores the four major groups of worldviews and equips Christians to evangelize those caught in false ideologies and protect Christian churches against modern heresy. In this episode, Frank and Brady will tackle questions like:What are the four major worldviews and why is understanding their differences so important?What's the best approach when someone in your life adopts a worldview that isn't true?Which worldview is taking the lead in our culture today?How do cults and movements like Word of Faith, NAR (the New Apostolic Reformation), and Progressive Christianity subtly twist Scripture and infiltrate the Church?What are the main characteristics of a cult and how do the four functions of math help us spot cults and other false worldviews?What is a great parenting tool that can help kids become more discerning without sounding preachy?Frank and Brady also examine how some of today's most popular teachings deviate from biblical Christianity and you'll hear real-world examples of false teachers and movements that are shaping minds inside and outside the Church. If you want to be equipped to defend truth and help others find it, be sure to check out Brady's new course: 'Conversations with the Faiths: Worldviews'!Resources mentioned during the episode:Brady's website: https://www.watchman.org/Brady's course: https://bit.ly/42It8kWBrave Books: https://bravebooks.us/